Profitability
US Banks with Highest Net Interest Margin (NIM)
#1 Net Interest Margin (NIM):TBO BANK — 126.93%. 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.
| # | Bank | HQ | US Banks with … | Total Assets ($K) |
|---|---|---|---|---|
| 1 | TBO BANK | ORRICK, MO | 126.93% | 209,289.0 |
| 2 | SQUARE FINANCIAL SERVICES, INC. | SALT LAKE CITY, UT | 38.14% | 1,694,247.0 |
| 3 | CREDIT ONE BANK, NATIONAL ASSOCIATION | LAS VEGAS, NV | 21.92% | 1,966,557.0 |
| 4 | COMENITY BANK | WILMINGTON, DE | 19.87% | 7,760,444.0 |
| 5 | FIRST ELECTRONIC BANK | SALT LAKE CITY, UT | 19.29% | 482,146.0 |
| 6 | COMENITY CAPITAL BANK | DRAPER, UT | 18.29% | 13,626,906.0 |
| 7 | MERRICK BANK | SOUTH JORDAN, UT | 17.44% | 9,251,625.0 |
| 8 | CAPITAL COMMUNITY BANK | PROVO, UT | 16.68% | 1,428,530.0 |
| 9 | WEBBANK | SALT LAKE CITY, UT | 16.47% | 2,940,956.0 |
| 10 | FINWISE BANK | MURRAY, UT | 12.47% | 967,454.0 |
| 11 | SYNCHRONY BANK | DRAPER, UT | 12.34% | 112,115,000.0 |
| 12 | BARCLAYS BANK DELAWARE | WILMINGTON, DE | 11.21% | 47,613,000.0 |
| 13 | CRESCENT BANK | METAIRIE, LA | 10.77% | 971,152.0 |
| 14 | WEX BANK | SANDY, UT | 10.05% | 8,449,841.0 |
| 15 | LEAD BANK | KANSAS CITY, MO | 9.06% | 2,610,128.0 |
| 16 | PITNEY BOWES BANK INC., THE | SALT LAKE CITY, UT | 8.91% | 805,554.0 |
| 17 | LIBERTY CAPITAL BANK | ADDISON, TX | 8.73% | 747,269.0 |
| 18 | MEDALLION BANK | SALT LAKE CITY, UT | 8.65% | 2,620,589.0 |
| 19 | CAPITAL ONE, NATIONAL ASSOCIATION | MC LEAN, VA | 8.43% | 658,464,240.0 |
| 20 | AMERICAN EXPRESS NATIONAL BANK | SANDY, UT | 8.23% | 211,275,193.0 |
| 21 | 1ST FINANCIAL BANK USA | DAKOTA DUNES, SD | 8.15% | 1,352,658.0 |
| 22 | FIRST NATIONAL BANK | OLDHAM, SD | 8.05% | 462,466.0 |
| 23 | FIRST SAVINGS BANK | BERESFORD, SD | 8.01% | 1,541,563.0 |
| 24 | GULF COAST BANK AND TRUST COMPANY | NEW ORLEANS, LA | 7.75% | 3,630,639.0 |
| 25 | SCALE BANK | EDINA, MN | 7.62% | 564,303.0 |
| 26 | VALLEY BANK OF COMMERCE | ROSWELL, NM | 7.57% | 291,390.0 |
| 27 | 22ND STATE BANKING COMPANY | MOBILE, AL | 7.56% | 272,805.0 |
| 28 | IXONIA BANK | IXONIA, WI | 7.51% | 951,221.0 |
| 29 | CELTIC BANK CORPORATION | SALT LAKE CITY, UT | 7.43% | 4,792,448.0 |
| 30 | FIRST NATIONAL BANK | FORT PIERRE, SD | 7.37% | 2,073,342.0 |
| 31 | PEOPLES BANK | MENDENHALL, MS | 7.33% | 484,585.0 |
| 32 | SOUTHERN BANK COMPANY, THE | GADSDEN, AL | 7.32% | 129,587.0 |
| 33 | BANK OF SOUTH TEXAS | MCALLEN, TX | 7.26% | 167,747.0 |
| 34 | PATHWARD, NATIONAL ASSOCIATION | SIOUX FALLS, SD | 7.24% | 7,563,929.0 |
| 35 | COASTAL COMMUNITY BANK | EVERETT, WA | 7.13% | 4,737,899.0 |
| 36 | FIRST STATE BANK, THE | ABERNATHY, TX | 7.11% | 127,606.0 |
| 37 | EAGLEMARK SAVINGS BANK | RENO, NV | 7.07% | 743,751.0 |
| 38 | BANK OF THE SOUTHWEST | ROSWELL, NM | 6.89% | 181,028.0 |
| 39 | UTAH INDEPENDENT BANK | SALINA, UT | 6.89% | 160,179.0 |
| 40 | JOHN DEERE FINANCIAL, F.S.B. | MIDDLETON, WI | 6.87% | 3,397,348.0 |
| 41 | COMMUNITY FIRST BANK OF INDIANA | KOKOMO, IN | 6.87% | 932,697.0 |
| 42 | MINNESOTA LAKES BANK | DELANO, MN | 6.84% | 128,779.0 |
| 43 | AUSTIN CAPITAL BANK SSB | AUSTIN, TX | 6.76% | 469,187.0 |
| 44 | CITIZENS BANK | BUTLER, MO | 6.72% | 183,794.0 |
| 45 | FIRST NATIONAL BANK OF HUGHES SPRINGS, THE | HUGHES SPRINGS, TX | 6.68% | 316,484.0 |
| 46 | STEARNS BANK NATIONAL ASSOCIATION | SAINT CLOUD, MN | 6.68% | 3,343,693.0 |
| 47 | CARSON COMMUNITY BANK | STILWELL, OK | 6.64% | 164,883.0 |
| 48 | FOUNDATION BANK | MCKENZIE, TN | 6.60% | 214,065.0 |
| 49 | LONE OAK BANK, NATIONAL ASSOCIATION | ELDORADO, TX | 6.56% | 112,051.0 |
| 50 | BANK OF COMMERCE | CHELSEA, OK | 6.56% | 186,200.0 |
| 51 | TBK BANK, SSB | DALLAS, TX | 6.55% | 6,376,892.0 |
| 52 | TRANSPORTATION ALLIANCE BANK, INC. DBA TAB BANK | OGDEN, UT | 6.53% | 1,601,203.0 |
| 53 | FIRST NATIONAL BANK OF OMAHA | OMAHA, NE | 6.52% | 34,573,634.0 |
| 54 | FIRST NATIONAL BANK | HEAVENER, OK | 6.47% | 101,530.0 |
| 55 | BANCORP BANK NATIONAL ASSOCIATION, THE | SIOUX FALLS, SD | 6.37% | 9,349,048.0 |
| 56 | FIRST CREDIT BANK | WEST HOLLYWOOD, CA | 6.31% | 500,519.0 |
| 57 | FIRST NATIONAL BANK OF TOM BEAN, THE | TOM BEAN, TX | 6.30% | 149,656.0 |
| 58 | AMERICAN BANK | COVINGTON, LA | 6.28% | 337,683.0 |
| 59 | BANKPACIFIC, LTD. | HAGATNA, GU | 6.28% | 178,071.0 |
| 60 | BANK OF 1889 | BERRYVILLE, AR | 6.26% | 330,720.0 |
| 61 | LOUISIANA NATIONAL BANK | RUSTON, LA | 6.24% | 480,310.0 |
| 62 | CUMBERLAND SECURITY BANK, INC. | SOMERSET, KY | 6.24% | 427,367.0 |
| 63 | STATE BANK OF TOLEDO, THE | TOLEDO, IA | 6.24% | 138,815.0 |
| 64 | SECURITY FIRST NATIONAL BANK OF HUGO | HUGO, OK | 6.23% | 139,231.0 |
| 65 | FIRST SECURITY BANK, THE | BEAVER, OK | 6.23% | 285,123.0 |
| 66 | MILESTONE BANK | SALT LAKE CITY, UT | 6.23% | 374,567.0 |
| 67 | COMMUNITY BANK | BRISTOW, OK | 6.19% | 111,369.0 |
| 68 | TD BANK USA, NATIONAL ASSOCIATION | WILMINGTON, DE | 6.17% | 34,631,887.0 |
| 69 | MURPHY BANK | FRESNO, CA | 6.17% | 365,328.0 |
| 70 | GREEN DOT BANK | PROVO, UT | 6.16% | 5,204,851.0 |
| 71 | FIRST STATE BANK | VALLIANT, OK | 6.14% | 101,510.0 |
| 72 | FARMERS STATE BANK OF ALTO PASS, ILL. | ALTO PASS, IL | 6.13% | 355,015.0 |
| 73 | ESQUIRE BANK, NATIONAL ASSOCIATION | JERICHO, NY | 6.11% | 2,345,974.0 |
| 74 | GREATER STATE BANK | MCALLEN, TX | 6.09% | 177,118.0 |
| 75 | CENTREBANK | VEEDERSBURG, IN | 6.09% | 111,532.0 |
| 76 | ANDERSON BROTHERS BANK | MULLINS, SC | 6.01% | 2,207,970.0 |
| 77 | CAPITAL BANK, NATIONAL ASSOCIATION | ROCKVILLE, MD | 6.00% | 3,547,608.0 |
| 78 | LENDINGCLUB BANK, NATIONAL ASSOCIATION | LEHI, UT | 5.99% | 11,472,011.0 |
| 79 | SOFI BANK, NATIONAL ASSOCIATION | COTTONWOOD HEIGHTS, UT | 5.98% | 46,568,135.0 |
| 80 | EVABANK | EVA, AL | 5.98% | 478,173.0 |
| 81 | VARO BANK, NATIONAL ASSOCIATION | DRAPER, UT | 5.97% | 376,185.0 |
| 82 | GEO. D. WARTHEN BANK, THE | SANDERSVILLE, GA | 5.96% | 195,317.0 |
| 83 | DURDEN BANKING COMPANY, INCORPORATED | TWIN CITY, GA | 5.96% | 283,839.0 |
| 84 | FIDELITY BANK OF TEXAS | WACO, TX | 5.96% | 157,048.0 |
| 85 | TCM BANK, NATIONAL ASSOCIATION | TAMPA, FL | 5.95% | 395,143.0 |
| 86 | FIRST NATIONAL BANK AND TRUST COMPANY OF BROKEN ARROW, THE | BROKEN ARROW, OK | 5.94% | 278,077.0 |
| 87 | SUNMARK COMMUNITY BANK | PERRY, GA | 5.91% | 398,584.0 |
| 88 | FREEDOM BANK | COLUMBIA FALLS, MT | 5.91% | 143,660.0 |
| 89 | FIRST NATIONAL BANK AND TRUST COMPANY OF MIAMI, THE | MIAMI, OK | 5.90% | 207,110.0 |
| 90 | FIRST NATIONAL BANK OF DUBLIN | DUBLIN, TX | 5.89% | 133,305.0 |
| 91 | BANK OF MONTICELLO | MONTICELLO, GA | 5.86% | 158,354.0 |
| 92 | SWEET WATER STATE BANK | SWEET WATER, AL | 5.85% | 154,084.0 |
| 93 | SPRING VALLEY BANK | WYOMING, OH | 5.83% | 117,990.0 |
| 94 | HERRING BANK | AMARILLO, TX | 5.83% | 487,454.0 |
| 95 | COMMERCIAL NATIONAL BANK OF BRADY, THE | BRADY, TX | 5.82% | 374,194.0 |
| 96 | PEOPLES BANK OF THE SOUTH | LAFOLLETTE, TN | 5.76% | 227,357.0 |
| 97 | NORTH ALABAMA BANK | HAZEL GREEN, AL | 5.75% | 174,950.0 |
| 98 | FIRST BANK OF OHIO | TIFFIN, OH | 5.75% | 298,680.0 |
| 99 | BANK OF EASTERN OREGON | HEPPNER, OR | 5.74% | 960,382.0 |
| 100 | HORIZON BANK | WAVERLY, NE | 5.74% | 511,566.0 |
More Profitability rankings
All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.
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