Clay County State Bank: Net Interest Margin
Data as of · sourced from FFIEC call reports. How we update
Clay County State Bank reported a net interest margin of 3.54% as of Q2 2026, ranking #2,523 of 3,651 U.S. banks (31st percentile). 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 measures net interest income (interest earned minus interest paid) against average earning assets. It is the core spread the bank earns from its primary business, lending deposits at higher rates than they cost.
Most US community banks report NIM between 2.8% and 4.0%. Higher is generally better but reflects either premium lending (higher-yielding loans) or low-cost funding (large core deposit franchise). Falling NIM in a rising-rate environment signals the bank's deposit costs are catching up to its asset yields.
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What is Clay County State Bank's Net Interest Margin?
Clay County State Bank's Net Interest Margin was 3.54% as of Q2 2026, ranking #2523 of 3,651 U.S. banks.
What is the Net Interest Margin?
Net Interest Margin measures net interest income (interest earned minus interest paid) against average earning assets. It is the core spread the bank earns from its primary business, lending deposits at higher rates than they cost.
More Clay County State Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Clay County State Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 10821) · FFIEC NIC profile (RSSD 498942)