Net interest margin: US bank rankings
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.
- 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
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 | Q2 2026 | Q1 2026 | |
|---|---|---|---|---|---|---|
| 241 | -4 | Ponce Bank | NY | 3.66% | 3.64% | |
| 242 | +67 | Citizens Business Bank | CA | 3.66% | 3.41% | |
| 243 | -2 | Central Pacific Bank | HI | 3.65% | 3.62% | |
| 244 | -42 | First Mid Bank & Trust | IL | 3.65% | 3.75% | |
| 245 | -5 | American Savings Bank | HI | 3.65% | 3.62% | |
| 246 | +23 | Merchants Bank | MN | 3.65% | 3.55% | |
| 247 | +28 | Preferred Bank | CA | 3.64% | 3.53% | |
| 248 | -37 | Fidelity Bank & Trust | IA | 3.64% | 3.73% | |
| 249 | +17 | Machias Savings Bank | ME | 3.64% | 3.57% | |
| 250 | -7 | Fulton Bank | PA | 3.64% | 3.61% | |
| 251 | same | The Bank of Tampa | FL | 3.64% | 3.60% | |
| 252 | -26 | Southern Bancorp Bank | AR | 3.64% | 3.67% | |
| 253 | +7 | Maine Community Bank | ME | 3.63% | 3.58% | |
| 254 | -10 | Hancock Whitney Bank | MS | 3.63% | 3.61% | |
| 255 | +6 | Cedar Rapids Bank and Trust Company | IA | 3.63% | 3.58% | |
| 256 | +7 | Susser Bank | TX | 3.63% | 3.57% | |
| 257 | +5 | Red River Bank | LA | 3.63% | 3.58% | |
| 258 | -12 | Frost Bank | TX | 3.62% | 3.61% | |
| 259 | +14 | Bravera Bank | ND | 3.62% | 3.53% | |
| 260 | -3 | First United Bank and Trust Company | OK | 3.62% | 3.58% | |
| 261 | -16 | Beverly Bank & Trust Company | IL | 3.61% | 3.61% | |
| 262 | -4 | Primis Bank | VA | 3.61% | 3.58% | |
| 263 | +1 | Eastern Bank | MA | 3.60% | 3.57% | |
| 264 | -17 | Old National Bank | IN | 3.60% | 3.60% | |
| 265 | -13 | ANB Bank | CO | 3.60% | 3.59% | |
| 266 | +32 | Bankwell Bank | CT | 3.58% | 3.46% | |
| 267 | +4 | First Security Bank | AR | 3.58% | 3.53% | |
| 268 | +21 | One Community Bank | WI | 3.57% | 3.49% | |
| 269 | +21 | CB&S Bank, Inc. | AL | 3.57% | 3.49% | |
| 270 | -20 | Centier Bank | IN | 3.57% | 3.60% | |
| 271 | +6 | Provident Bank | NJ | 3.57% | 3.52% | |
| 272 | +13 | Colony Bank | GA | 3.57% | 3.50% | |
| 273 | -14 | Amerant Bank | FL | 3.57% | 3.58% | |
| 274 | +6 | Mercantile Bank | MI | 3.57% | 3.51% | |
| 275 | +19 | Intrust Bank | KS | 3.56% | 3.48% | |
| 276 | +12 | ServisFirst Bank | AL | 3.56% | 3.49% | |
| 277 | +25 | Bank of Colorado | CO | 3.56% | 3.44% | |
| 278 | -2 | SmartBank | TN | 3.56% | 3.52% | |
| 279 | +42 | Bank Five Nine | WI | 3.55% | 3.36% | |
| 280 | -8 | First Horizon Bank | TN | 3.55% | 3.53% | |
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
- Bank equity capital
- Common equity tier 1 (CET1) ratio
- Deposits in domestic offices
- Efficiency ratio
- Full-time equivalent employees
- Loan-to-deposit ratio
- Total loans and leases (gross)
- Net loans and leases
- Net charge-offs to average loans
- Net income (year to date)
- Noncurrent loans to total loans
- Number of offices
- Return on assets (ROA)
- Return on equity (ROE)
- Available-for-sale securities (amortized cost)
- Available-for-sale securities (fair value)
- Held-to-maturity securities (amortized cost)
- Held-to-maturity securities (fair value)
- Total securities
- Tier 1 leverage ratio
- Total assets
- Total deposits
- Total equity capital
- Total risk-based capital ratio
- Uninsured share of domestic deposits
- Estimated uninsured deposits
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.