margin
Net Interest Margin Change, Year over Year
The year-over-year change in net interest margin, expressed in basis points.
National median
+24 bps
Middle half
+5 bps+40 bps
Direction
Higher is favorable
What it means
Why this metric matters
Margin change shows direction more clearly than level alone. It reveals whether asset repricing is keeping pace with deposit and borrowing costs.
How it is calculated
Formula and source fields
(net_interest_margin - lag(net_interest_margin, 4)) * 100Source field: NIMY. Not annualized.
Read the calculation methodology →National distribution
Across active reporting banks
4,239 observations · Q1 2026
10th percentile
−16 bps25th percentile
+5 bpsMedian
+24 bps75th percentile
+40 bps90th percentile
+56 bpsReported 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
- 1TBO BankMO−2,966 bps
- 2−878 bps
- 3−696 bps
- 4−340 bps
- 5−310 bps
- 6−240 bps
- 7−221 bps
- 8−201 bps
- 9−184 bps
- 10−176 bps
Highest reported values
- 1+2,550 bps
- 2+525 bps
- 3+416 bps
- 4+370 bps
- 5+325 bps
- 6+242 bps
- 7+223 bps
- 8+217 bps
- 9+203 bps
- 10+187 bps
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