First Bank: Net Interest Margin
Data as of · sourced from FFIEC call reports. How we update
First Bank reported a net interest margin of 3.95% as of Q2 2026, ranking #1,679 of 3,640 U.S. banks (54th percentile). That is up 0.09 percentage points from 3.86% a year earlier, and below the 3.98% median of the 1,874 Small Community Banks ($100M–$500M 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 First Bank's Net Interest Margin?
First Bank's Net Interest Margin was 3.95% as of Q2 2026, ranking #1679 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 First Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 16473) · FFIEC NIC profile (RSSD 49652)