BDI

margin

Interest Income to Assets

Annualized interest income as a percentage of average total assets.

As of Q1 2026FDICINTINCFDICASSETSource retrieved 2026-08-01

National median

5.16%

Middle half

4.68%5.70%

Direction

Higher is favorable

What it means

Why this metric matters

This ratio captures asset yield while retaining nonearning assets in the denominator. The difference from earning-asset yield reveals how much of the balance sheet is not producing interest.

How it is calculated

Formula and source fields

interest_income_ytd * 4 / quarter_of_year / NULLIF(avg_assets, 0) * 100

Source fields: INTINC + ASSET. Annualized as described in the methodology.

Read the calculation methodology →

National distribution

Across active reporting banks

4,235 observations · Q1 2026

10th percentile

4.22%

25th percentile

4.68%

Median

5.16%

75th percentile

5.70%

90th percentile

6.22%
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

Highest and lowest banks

These lists describe reported values, not quality rankings. Compare business models and peer groups before drawing conclusions.

Lowest reported values

  1. 1
    Credit First National AssociationOH
    0.00%
  2. 2
    BMO Harris Central National AssociationIL
    0.10%
  3. 3
    Wilmington Trust, National AssociationDE
    0.28%
  4. 4
    CIBC National Trust CompanyGA
    0.57%
  5. 5
    Lamont Bank of St. JohnWA
    0.61%
  6. 6
    Erebor Bank, N.A.OH
    0.82%
  7. 7
    The Bank of New York Mellon Trust Company, National AssociationCA
    0.93%
  8. 8
    Generations Community BankIN
    1.20%
  9. 9
    Bank Of Jackson Hole TrustWY
    2.03%
  10. 10
    Liberty Bank of New JerseyNJ
    2.25%

Highest reported values

  1. 1
    TBO BankMO
    84.73%
  2. 2
    Square Financial Services, Inc.UT
    37.86%
  3. 3
    Credit One Bank, National AssociationNV
    24.93%
  4. 4
    Comenity BankDE
    23.68%
  5. 5
    Comenity Capital BankUT
    21.52%
  6. 6
    Merrick BankUT
    20.69%
  7. 7
    Quill BankUT
    18.24%
  8. 8
    WebBankUT
    17.17%
  9. 9
    Synchrony BankUT
    15.45%
  10. 10
    First Electronic BankUT
    14.70%

Continue exploring

Related metrics

Net Interest MarginYield on Earning AssetsInterest Expense to AssetsCost of Interest-Bearing DepositsNet Interest Income to Assets