Hertz
The graph above (Good graph Cuky) shows the effeciency well, at very light loads the no-load losses (iron) bring down the effeciency drastically.
The load losses are I2R losses therefore load dependant, iron losses are considered constant losses and are typically 0.5%.
For a 2.5MVA transformer, you could expect thye manufacturer to quote load losses of 25-28kW at 75C
You dont mention the transformer type, if you have an indoor compact substation with AN/AF cast resin transformers then you could load the transformers up to 70% of their nominal rating, that way you can support the full substation load from one transformer by force cooling the unit, otherwise if you have ONAN or AN type without forced cooling then you can load to 50% as you noted.