margin
Net Interest Income to Assets
Annualized net interest income as a percentage of average total assets.
National median
3.56%
Middle half
3.11%4.03%
Direction
Higher is favorable
What it means
Why this metric matters
Unlike NIM, this measure includes nonearning assets in the denominator. It shows how effectively the entire balance sheet produces spread revenue.
How it is calculated
Formula and source fields
net_interest_income_ytd * 4 / quarter_of_year / NULLIF(avg_assets, 0) * 100Source fields: NIM + ASSET. Annualized as described in the methodology.
Read the calculation methodology →National distribution
Across active reporting banks
4,235 observations · Q1 2026
10th percentile
2.69%25th percentile
3.11%Median
3.56%75th percentile
4.03%90th percentile
4.53%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
- 1−0.89%
- 2−0.41%
- 3−0.40%
- 4−0.05%
- 50.10%
- 60.28%
- 70.38%
- 80.39%
- 90.43%
- 100.57%
Highest reported values
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