margin

Net Interest Margin

Annualized net interest income as a percentage of average earning assets.

As of Q1 2026FDICNIMFDICNIMYSource retrieved 2026-08-01

National median

3.79%

Middle half

3.31%4.30%

Direction

Higher is favorable

What it means

Why this metric matters

NIM is the bank's gross spread after funding cost but before operating expense and credit losses. Small movements matter because the ratio applies to nearly the entire earning balance sheet.

How it is calculated

net_interest_income_ytd_annualized / NULLIF(avg_earning_assets, 0) * 100

Source fields: NIM + NIMY. Annualized as described in the methodology.

Read the calculation methodology →

National distribution

Across active reporting banks

4,245 observations · Q1 2026

10th percentile

2.86%

25th percentile

3.31%

Median

3.79%

75th percentile

4.30%

90th percentile

4.84%

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