Twin Cedars Bank: Net Interest Margin
Data as of · sourced from FFIEC call reports. How we update
Twin Cedars Bank reported a net interest margin of 3.63% as of Q2 2026, ranking #2,340 of 3,640 U.S. banks (36th percentile). That is down 1.02 percentage points from 4.65% 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 Twin Cedars Bank's Net Interest Margin?
Twin Cedars Bank's Net Interest Margin was 3.63% as of Q2 2026, ranking #2340 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 Twin Cedars Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Twin Cedars Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 1556) · FFIEC NIC profile (RSSD 750444)