Earnings & efficiency · Versioned metric research
Net interest margin (official UBPR)
Net interest income as a percent of average earning assets, year-to-date, as published in FFIEC's official UBPR bulk data — computed on a trailing four-quarter average basis, which this site's own derived NIM does not replicate (see docs/YIELD-FUNDING-COST-DELIVERY.md). Open official FFIEC instructions ↗
Calculation contract
official_ubpr_direct_ingestion
Source schedule: Not derivable from this formula
Null policy: abstain if missing
Effective: 2026-01-01 to current
Percentiles describe position, not merit.
P10 through P90 below mark where 1068 banks' reported net interest margin (official ubpr) 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 (official UBPR) — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2023-03-31 | 3.31 percent | No marker | None |
| 2023-06-30 | 3.26 percent | No marker | None |
| 2023-09-30 | 3.22 percent | No marker | None |
| 2023-12-31 | 3.21 percent | No marker | None |
| 2024-03-31 | 3.06 percent | No marker | None |
| 2024-06-30 | 3.095 percent | No marker | None |
| 2024-09-30 | 3.12 percent | No marker | None |
| 2024-12-31 | 3.16 percent | No marker | None |
| 2025-03-31 | 3.31 percent | No marker | None |
| 2025-06-30 | 3.38 percent | No marker | None |
| 2025-09-30 | 3.43 percent | No marker | None |
| 2025-12-31 | 3.46 percent | No marker | None |
| 2026-03-31 | 3.56 percent | No marker | None |
| 2026-06-30 | 3.6 percent | 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 (official UBPR) 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 | 1,068 | 2.75% | 3.17% | 3.60% | 4.01% | 4.54% |
| 2026-03-31 | 1,070 | 2.68% | 3.14% | 3.56% | 3.97% | 4.54% |
| 2025-12-31 | 1,072 | 2.49% | 3.00% | 3.46% | 3.91% | 4.56% |
| 2025-09-30 | 1,073 | 2.45% | 2.95% | 3.43% | 3.87% | 4.55% |
| 2025-06-30 | 1,075 | 2.40% | 2.93% | 3.38% | 3.82% | 4.51% |
| 2025-03-31 | 1,077 | 2.35% | 2.87% | 3.31% | 3.76% | 4.44% |
| 2024-12-31 | 1,079 | 2.19% | 2.67% | 3.16% | 3.68% | 4.46% |
| 2024-09-30 | 1,079 | 2.17% | 2.62% | 3.12% | 3.67% | 4.45% |
| 2024-06-30 | 1,080 | 2.14% | 2.59% | 3.09% | 3.64% | 4.41% |
| 2024-03-31 | 1,081 | 2.14% | 2.56% | 3.06% | 3.62% | 4.36% |
| 2023-12-31 | 1,081 | 2.27% | 2.74% | 3.21% | 3.76% | 4.52% |
| 2023-09-30 | 1,082 | 2.32% | 2.78% | 3.22% | 3.80% | 4.53% |
| 2023-06-30 | 1,082 | 2.36% | 2.83% | 3.26% | 3.82% | 4.58% |
| 2023-03-31 | 1,083 | 2.43% | 2.90% | 3.31% | 3.86% | 4.60% |
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 | 1068 | 2.75% | 3.17% | 3.60% | 4.01% | 4.54% |
| 2026-03-31 | 1070 | 2.68% | 3.14% | 3.56% | 3.97% | 4.54% |
| 2025-12-31 | 1072 | 2.49% | 3.00% | 3.46% | 3.91% | 4.56% |
| 2025-09-30 | 1073 | 2.45% | 2.95% | 3.43% | 3.87% | 4.55% |
| 2025-06-30 | 1075 | 2.40% | 2.93% | 3.38% | 3.82% | 4.51% |
| 2025-03-31 | 1077 | 2.35% | 2.87% | 3.31% | 3.76% | 4.44% |
| 2024-12-31 | 1079 | 2.19% | 2.67% | 3.16% | 3.68% | 4.46% |
| 2024-09-30 | 1079 | 2.17% | 2.62% | 3.12% | 3.67% | 4.45% |
| 2024-06-30 | 1080 | 2.14% | 2.59% | 3.09% | 3.64% | 4.41% |
| 2024-03-31 | 1081 | 2.14% | 2.56% | 3.06% | 3.62% | 4.36% |
| 2023-12-31 | 1081 | 2.27% | 2.74% | 3.21% | 3.76% | 4.52% |
| 2023-09-30 | 1082 | 2.32% | 2.78% | 3.22% | 3.80% | 4.53% |
| 2023-06-30 | 1082 | 2.36% | 2.83% | 3.26% | 3.82% | 4.58% |
| 2023-03-31 | 1083 | 2.43% | 2.90% | 3.31% | 3.86% | 4.60% |
Institution drilldown
Highest reported values
- #1SQUARE FINL SERVICES INC39.97%
- #2CREDIT ONE BANK NA21.46%
- #3COMENITY BANK19.72%
- #4COMENITY CAPITAL BANK17.55%
- #5MERRICK BANK16.70%
- #6CAPITAL COMMUNITY BANK16.52%
- #7WEBBANK16.44%
- #8SYNCHRONY BANK11.81%
- #9WEX BANK10.63%
- #10BARCLAYS BANK DELAWARE10.52%
Institution drilldown
Lowest reported values
- #1060BNY MELLON NATIONAL ASSN1.13%
- #1061TOYOTA FINANCIAL SB0.99%
- #1062SMBC MANUBANK0.89%
- #1063BESSEMER TRUST CO0.82%
- #1063BESSEMER TRUST CO NA0.82%
- #1065DEPOSITORY TRUST CO0.58%
- #1066NATIONWIDE TRUST CO FSB0.54%
- #1067UNION COUNTY SAVINGS BANK-0.36%
- #1068UNITED FIDELITY BANK FSB-0.46%
Institution discovery
Search verified rankings by quarter
1,068 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.