Bank Independent: Net Interest Margin
Data as of · sourced from FFIEC call reports. How we update
Bank Independent reported a net interest margin of 4.07% as of Q2 2026, ranking #1,406 of 3,640 U.S. banks (61st percentile). That is down 0.78 percentage points from 4.85% a year earlier, and above the 3.71% median of the 872 Large Community Banks ($1B–$10B in assets). Net Interest Margin (NIM) measures the spread between interest earned on assets and interest paid on liabilities, the core unit economics of a commercial bank.
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What is the Net Interest Margin?
Net interest margin (NIM) is a bank's net interest income, interest earned minus interest paid, divided by its average earning assets and annualized. It measures the spread a bank earns on its lending and investing, the core of how a bank makes money.
A wide NIM comes from high-yielding loans, such as credit cards or construction lending, or from cheap deposits; find out which before calling it a strength. Large banks run lower margins than community banks because they hold more securities and cash and earn more from fees. NIM falls when deposit costs rise faster than asset yields, which happened across the industry in 2023. Compare NIM with peers of the same size and loan mix.
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What is Bank Independent's Net Interest Margin?
Bank Independent's Net Interest Margin was 4.07% as of Q2 2026, ranking #1406 of 3,640 U.S. banks.
What is the Net Interest Margin?
Net interest margin (NIM) is a bank's net interest income, interest earned minus interest paid, divided by its average earning assets and annualized. It measures the spread a bank earns on its lending and investing, the core of how a bank makes money.
More Bank Independent metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Bank Independent profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 16604) · FFIEC NIC profile (RSSD 539032)