RANKING · Q2 2026

Highest net interest margin

3712 of 4313 banks that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: FDIC quarterly financial data.

Highest net interest margin, Q2 2026
Rank	Institution	Headquarters	Net interest margin	Total assets
1	Tbo Bank	Orrick, MO	82.50%	$225 million
2	Square Financial Services Inc.	Salt Lake City, UT	43.72%	$2.1 billion
3	Credit One Bank N.A.	Las Vegas, NV	24.02%	$2.4 billion
4	Comenity Bank	Wilmington, DE	21.82%	$7.4 billion
5	First Electronic Bank	Salt Lake City, UT	20.26%	$503 million
6	Merrick Bank	South Jordan, UT	19.77%	$9.1 billion
7	Comenity Capital Bank	Draper, UT	19.16%	$13.9 billion
8	Webbank	Salt Lake City, UT	16.80%	$2.9 billion
9	Capital Community Bank	Provo, UT	16.78%	$1.6 billion
10	Beal Bank USA	Las Vegas, NV	16.31%	$11.0 billion
11	Finwise Bank	Murray, UT	14.25%	$915 million
12	Synchrony Bank	Draper, UT	12.83%	$115 billion
13	Wex Bank	Sandy, UT	11.12%	$10.7 billion
14	Barclays Bank Delaware	Wilmington, DE	11.04%	$43.5 billion
15	1st Financial Bank USA	Dakota Dunes, SD	9.27%	$1.4 billion
16	The Southern Bank Company	Gadsden, AL	9.10%	$133 million
17	Medallion Bank	Salt Lake City, UT	8.74%	$2.8 billion
18	Capital One N.A.	Mclean, VA	8.56%	$662 billion
19	American Express National Bank	Sandy, UT	8.43%	$214 billion
20	First Savings Bank	Beresford, SD	8.27%	$1.6 billion
21	First National Bank	Oldham, SD	8.20%	$478 million
22	Wilmington Trust N.A.	Wilmington, DE	8.15%	$772 million
23	Ixonia Bank	Ixonia, WI	8.08%	$1.1 billion
24	Scale Bank	Edina, MN	7.89%	$627 million
25	The First State Bank	Abernathy, TX	7.85%	$121 million
26	Column N.A.	Salt Lake City, UT	7.78%	$1.8 billion
27	First National Bank	Fort Pierre, SD	7.64%	$2.0 billion
28	The Pitney Bowes Bank Inc.	Salt Lake City, UT	7.63%	$796 million
29	Lead Bank	Kansas City, MO	7.56%	$2.8 billion
30	Monet Bank	Plano, TX	7.39%	$3.2 billion
31	Varo Bank N.A.	Draper, UT	7.37%	$338 million
32	Federated Bank	Onarga, IL	7.30%	$140 million
33	The Commercial National Bank of Brady	Brady, TX	7.25%	$425 million
34	Gulf Coast Bank and Trust Company	New Orleans, LA	7.18%	$3.9 billion
35	22nd State Banking Company	Mobile, AL	7.17%	$292 million
36	Pathward N.A.	Sioux Falls, SD	7.17%	$7.3 billion
37	Bank of South Texas	Mcallen, TX	7.17%	$175 million
38	California International Bank N.A.	Westminster, CA	7.04%	$121 million
39	Cumberland Security Bank Inc.	Somerset, KY	7.02%	$420 million
40	Bank of the Southwest	Roswell, NM	7.01%	$176 million
41	Bank of Lake Mills	Lake Mills, WI	6.95%	$534 million
42	Coastal Community Bank	Everett, WA	6.91%	$5.5 billion
43	Eaglemark Savings Bank	Reno, NV	6.91%	$756 million
44	Community First Bank of Indiana	Kokomo, IN	6.89%	$980 million
45	Austin Capital Bank SSB	Austin, TX	6.86%	$395 million
46	First Credit Bank	Los Angeles, CA	6.83%	$516 million
47	Utah Independent Bank	Salina, UT	6.77%	$171 million
48	Peoples Bank	Mendenhall, MS	6.76%	$503 million
49	First National Bank	Heavener, OK	6.75%	$113 million
50	First National Bank of Omaha	Omaha, NE	6.73%	$34.2 billion
51	Transportation Alliance Bank, Inc. Dba Tab Bank	Ogden, UT	6.71%	$1.6 billion
52	Northwestern Bank N.A.	Dilworth, MN	6.70%	$165 million
53	Citizens Bank	Butler, MO	6.61%	$188 million
54	The First National Bank of Hughes Springs	Hughes Springs, TX	6.50%	$320 million
55	TD Bank USA N.A.	Wilmington, DE	6.47%	$32.1 billion
56	Foundation Bank	Mc Kenzie, TN	6.42%	$218 million
57	Tbk Bank SSB	Dallas, TX	6.42%	$7.4 billion
58	Louisiana National Bank	Ruston, LA	6.38%	$474 million
59	Lone Oak Bank N.A.	Eldorado, TX	6.30%	$120 million
60	Lendingclub Bank N.A.	Lehi, UT	6.25%	$12.5 billion
61	Titan Bank N.A.	Mineral Wells, TX	6.24%	$896 million
62	American Bank	Covington, LA	6.21%	$367 million
63	Sofi Bank N.A.	Cottonwood Heigh, UT	6.21%	$56.8 billion
64	Greater State Bank	Mcallen, TX	6.19%	$180 million
65	Bank of 1889	Berryville, AR	6.18%	$339 million
66	Bank Northwest	Hamilton, MO	6.18%	$210 million
67	Anderson Brothers Bank	Mullins, SC	6.17%	$2.4 billion
68	John Deere Financial, F.S.B.	Middleton, WI	6.16%	$4.9 billion
69	The First National Bank and Trust Company of Broken Arrow	Broken Arrow, OK	6.16%	$269 million
70	Esquire Bank N.A.	Jericho, NY	6.15%	$2.5 billion
71	Stearns Bank N.A.	Saint Cloud, MN	6.13%	$3.3 billion
72	Community Bank	Bristow, OK	6.12%	$119 million
73	Spring Valley Bank	Wyoming, OH	6.11%	$114 million
74	Durden Banking Company, Incorporated	Twin City, GA	6.11%	$299 million
75	Bank of Commerce	Chelsea, OK	6.06%	$203 million
76	Sunmark Community Bank	Perry, GA	6.05%	$557 million
77	First National Bank of Dublin	Dublin, TX	6.05%	$134 million
78	First State Bank	Valliant, OK	6.02%	$100 million
79	Evabank	Eva, AL	6.02%	$491 million
80	Celtic Bank Corporation	Salt Lake City, UT	6.00%	$5.3 billion
81	First Capital Bank	Quanah, TX	5.99%	$107 million
82	Bank of Eastern Oregon	Heppner, OR	5.95%	$934 million
83	Freedom Bank	Columbia Falls, MT	5.93%	$157 million
84	Tcm Bank N.A.	Tampa, FL	5.89%	$382 million
85	Valley Bank of Commerce	Roswell, NM	5.88%	$304 million
86	Green Dot Bank	Provo, UT	5.87%	$5.4 billion
87	The First National Bank of Tom Bean	Tom Bean, TX	5.87%	$156 million
88	Farmers State Bank of Alto Pass, Ill.	Alto Pass, IL	5.83%	$342 million
89	Evergreen National Bank	Evergreen, CO	5.82%	$140 million
90	The Geo. D. Warthen Bank	Sandersville, GA	5.79%	$190 million
91	Pinnacle Bank	Elberton, GA	5.78%	$4.0 billion
92	Centrebank	Veedersburg, IN	5.78%	$120 million
93	Sutton Bank	Attica, OH	5.77%	$1.7 billion
94	Southwest Bank	Odessa, TX	5.76%	$694 million
95	Progressive Ozark Bank	Salem, MO	5.76%	$191 million
96	Commerce Bank	Corinth, MS	5.75%	$168 million
97	First Bank of Ohio	Tiffin, OH	5.75%	$278 million
98	Northrim Bank	Anchorage, AK	5.73%	$3.4 billion
99	Bank of Monticello	Monticello, GA	5.71%	$158 million
100	The Peoples Bank	Magnolia, AR	5.69%	$196 million

Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings