margin

Cost of Interest-Bearing Deposits

Annualized reported interest expense relative to average interest-bearing domestic deposits.

As of Q1 2026FDICEINTEXPFDICDEPIDOMSource retrieved 2026-08-01

National median

2.41%

Middle half

1.94%2.93%

Direction

Lower is favorable

What it means

Why this metric matters

This is a conservative funding-cost proxy because reported interest expense can include nondeposit funding. Its trend shows how quickly paid funding is repricing.

How it is calculated

interest_expense_ytd * 4 / quarter_of_year / NULLIF(avg_interest_bearing_deposits, 0) * 100

Source fields: EINTEXP + DEPIDOM. Annualized as described in the methodology.

Read the calculation methodology →

National distribution

Across active reporting banks

4,229 observations · Q1 2026

10th percentile

1.47%

25th percentile

1.94%

Median

2.41%

75th percentile

2.93%

90th percentile

3.47%

Quartile markers use every reported value. For readability, values outside the first and ninety-ninth percentiles are collected into the two end bars; rankings retain the exact reported values.

Reported extremes