Earnings & efficiency · Versioned metric research
Net interest margin
Net interest margin, derived from NIMY. Open official FFIEC instructions ↗
Calculation contract
NIMY
Source schedule: Not derivable from this formula
Null policy: abstain if missing
Effective: 2016-01-01 to current
Percentiles describe position, not merit.
P10 through P90 below mark where 1067 banks' reported net interest margin values fell for 2026-06-30 — the median (P50) splits that group in half; it is not a target. The trend chart above follows that median quarter to quarter, and the distribution chart traces the full P10–P90 band. A higher or lower reported value is not labeled favorable or unfavorable here — that depends on the metric, the institution's business model, and context this page does not assert.
Accessible line chart
Net interest margin — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2026-03-31 | 3.609 reported unit | No marker | None |
| 2026-06-30 | 3.677 reported unit | No marker | None |
Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Color is supplemented by shape and labels; reduced-motion users receive no chart animation.
Historical distribution
Net interest margin across covered banks
Median with interquartile and P10–P90 ranges across verified observations.
View distribution data as a table
| Period | Population | P10 | P25 | Median | P75 | P90 |
|---|---|---|---|---|---|---|
| 2026-06-30 | 1,067 | 2.74 | 3.23 | 3.68 | 4.1 | 4.63 |
| 2026-03-31 | 1,065 | 2.67 | 3.15 | 3.61 | 4.04 | 4.58 |
Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Population can change with filings, failures, mergers and eligibility. Missing values are excluded, never converted to zero.
Current distribution
Percentile history
Percentiles exclude unavailable values; they do not convert missing observations to zero.
| Period | Population | P10 | P25 | Median | P75 | P90 |
|---|---|---|---|---|---|---|
| 2026-06-30 | 1067 | 2.74 | 3.23 | 3.68 | 4.1 | 4.63 |
| 2026-03-31 | 1065 | 2.67 | 3.15 | 3.61 | 4.04 | 4.58 |
Institution drilldown
Highest reported values
- #1SQUARE FINL SERVICES INC42.73
- #2CREDIT ONE BANK NA24.8
- #3COMENITY BANK21.93
- #4MERRICK BANK19.58
- #5COMENITY CAPITAL BANK19.26
- #6CAPITAL COMMUNITY BANK16.84
- #7WEBBANK15.79
- #8SYNCHRONY BANK12.91
- #9BARCLAYS BANK DELAWARE11.43
- #10WEX BANK10.58
Institution drilldown
Lowest reported values
- #1066UNION COUNTY SAVINGS BANK-0.37
- #1067UNITED FIDELITY BANK FSB-0.46
Institution discovery
Search verified rankings by quarter
1,067 matched institutions · selected period 2026-06-30
Related metrics
Other definitions from the same schedule or domain
Grouped by shared source schedule where derivable, otherwise by the same analytical domain — not a claim of statistical correlation.
Reported values and deterministic derived observations are research inputs, not ratings or predictions. Cohort composition changes over time; use peer reports for a controlled cohort comparison.