Net interest margin: US bank rankings

500 FDIC-insured banks ranked by net interest margin at Q2 2026, from each bank's Call Report. 1 = highest.

Comenity Bank ranked first by net interest margin at Q2 2026 with 21.93%, followed by Merrick Bank (19.58%) and Comenity Capital Bank (19.26%). Rank among 500 banks reporting this metric, 1 = highest; the median bank was at 3.64%. Source: FDIC Call Report data, cross-checked against FFIEC filings.

What changed this quarter (Q1 2026 to Q2 2026)

Comenity Bank stayed first, at 21.93%
Median: up from 3.59% to 3.64%
Biggest rise in the top 100: Beal Bank USA, from 454th to 8th

Highest value

21.93%

Comenity Bank

Rank 1 of 500 1 = highest

Median bank

3.64%

Middle of the 500 banks ranked

Lowest value

-0.46%

United Fidelity Bank, fsb

Rank 500 of 500 1 = highest

Banks ranked

500

Every bank in our coverage that reported it

Sparklines: the last ten years (median and count: every quarter of this ranking). Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.

Ranking, Q2 2026

Rank (1 = highest)	Change in rank	Bank	State		Q1 2026
81	+29	Nicolet National Bank	WI	4.33%	4.08%
82	+1	Capital City Bank	FL	4.33%	4.27%
83	+3	Oakstar Bank	MO	4.32%	4.24%
84	-7	Macatawa Bank	MI	4.31%	4.34%
85	-1	Enterprise Bank & Trust	MO	4.29%	4.26%
86	-4	Sunwest Bank	UT	4.29%	4.28%
87	same	German American Bank	IN	4.29%	4.24%
88	-8	Avidbank	CA	4.28%	4.31%
89	+3	Peoples Bank	OH	4.28%	4.21%
90	+4	First Financial Bank	IN	4.27%	4.17%
91	same	VeraBank	TX	4.27%	4.21%
92	-20	NBH Bank	CO	4.24%	4.38%
93	+13	Minnwest Bank	MN	4.23%	4.10%
94	+2	Ion Bank	CT	4.23%	4.15%
95	-5	State Bank of Southern Utah	UT	4.22%	4.22%
96	-20	Georgia Banking Company	GA	4.21%	4.35%
97	+12	Guaranty Bank and Trust Company	MS	4.21%	4.09%
98	+6	City Bank	TX	4.21%	4.10%
99	+29	Frandsen Bank & Trust	MN	4.21%	3.98%
100	-7	Farmers & Merchants Bank of Central California	CA	4.21%	4.20%
101	-4	Metropolitan Commercial Bank	NY	4.20%	4.14%
102	-4	Burke & Herbert Bank & Trust Company	VA	4.20%	4.13%
103	-14	First Financial Bank	OH	4.20%	4.23%
104	-29	Investar Bank	LA	4.20%	4.36%
105	-54	Pinnacle Bank	TN	4.17%	4.71%
106	-1	The First Bank and Trust Company	VA	4.16%	4.10%
107	-6	Tri Counties Bank	CA	4.16%	4.11%
108	+6	Ally Bank	UT	4.14%	4.05%
109	-7	Bank OZK	AR	4.14%	4.11%
110	+7	First Community Bank	AR	4.14%	4.04%
111	+11	Community National Bank & Trust	KS	4.13%	4.01%
112	same	Firstrust Savings Bank	PA	4.12%	4.08%
113	same	Heritage Bank	WA	4.12%	4.07%
114	+4	Republic Bank of Chicago	IL	4.12%	4.03%
115	+15	MVB Bank, Inc	WV	4.11%	3.98%
116	-5	Banner Bank	WA	4.11%	4.08%
117	+2	Citizens & Northern Bank	PA	4.10%	4.02%
118	-15	Dacotah Bank	SD	4.09%	4.11%
119	-12	Fremont Bank	CA	4.09%	4.10%
120	+1	Farmers Bank & Trust Company	AR	4.09%	4.02%

Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor. Change in rank compares with Q1 2026. Bars: value relative to the largest in the table.

Who leads the table?

The five banks at the top of the table at Q2 2026 were Comenity Bank (21.93%, DE), Merrick Bank (19.58%, UT), Comenity Capital Bank (19.26%, UT), WebBank (15.79%, UT) and Synchrony Bank (12.91%, UT). 9 of the top 10 were also in the top 10 in Q1 2026. 7 of the top 10 have their head office in Utah.

How are the values spread?

Half of the 500 banks have a value between 3.19% and 4.05% (the middle two quarters of the table); one in ten is above 4.62% and one in ten below 2.70%. A year earlier, at Q2 2025, the median was 3.38% across 528 banks. The median rose from 3.59% in Q1 2026 to 3.64% in Q2 2026.

17 values lie far from the rest of the table (more than three times the spread of the middle half beyond it): Comenity Bank (21.93%); Merrick Bank (19.58%); Comenity Capital Bank (19.26%); WebBank (15.79%); Synchrony Bank (12.91%); Barclays Bank Delaware (11.43%) and others. Values like these usually come from special-purpose banks, such as trust, custody, credit card or payment banks, whose balance sheets differ from lending banks; compare them with care.

Which of the top 100 banks moved most?

Between Q1 2026 and Q2 2026, of the 500 banks ranked in both quarters, 251 moved up the table, 218 moved down and 31 kept their place; the typical bank moved 6 places.

Largest moves up the table from Q1 2026 to Q2 2026: Beal Bank USA (from 454th to 8th; 2.63% to 8.99%); Monet Bank (from 487th to 60th; 1.92% to 4.51%); Sunflower Bank (from 85th to 54th; 4.26% to 4.59%). Largest moves down the table from Q1 2026 to Q2 2026: Georgia Banking Company (from 76th to 96th; 4.35% to 4.21%); NBH Bank (from 72nd to 92nd; 4.38% to 4.24%); American First National Bank (from 40th to 55th; 4.95% to 4.55%).

How is this ranking built?

Annualized net interest income as a percent of average earning assets (FDIC calculation). Net interest margin values are year-to-date, annualized figures from each bank's Call Report for Q2 2026, ranked from highest to lowest (1 = highest).

Full definitions are on the methodology page for net interest margin.

Other US bank rankings

Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. Primary source: FDIC BankFind Suite; cross-check: FFIEC Central Data Repository. Checks: Check A passed, Check B passed.

Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.