RANKING ·
Largest net interest margin improvement
3709 of 4313 banks that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | Square Financial Services Inc. | Salt Lake City, UT | +2402 bps | $2.1 billion |
| 2 | Beal Bank USA | Las Vegas, NV | +1377 bps | $11.0 billion |
| 3 | First Bank and Trust of Memphis | Memphis, TX | +853 bps | $148 million |
| 4 | Federated Bank | Onarga, IL | +785 bps | $140 million |
| 5 | Finwise Bank | Murray, UT | +648 bps | $915 million |
| 6 | Monet Bank | Plano, TX | +608 bps | $3.2 billion |
| 7 | Grand Missouri Bank | Bolivar, MO | +561 bps | $151 million |
| 8 | Eagle Valley Bank | Griggsville, IL | +279 bps | $230 million |
| 9 | Uinta Bank | Jackson, WY | +256 bps | $222 million |
| 10 | Scale Bank | Edina, MN | +179 bps | $627 million |
| 11 | Streator Home Savings Bank | Streator, IL | +176 bps | $137 million |
| 12 | Lisle Savings Bank | Lisle, IL | +173 bps | $545 million |
| 13 | High Plains Bank | Okeene, OK | +165 bps | $330 million |
| 14 | The Southern Bank Company | Gadsden, AL | +164 bps | $133 million |
| 15 | Northwestern Bank N.A. | Dilworth, MN | +156 bps | $165 million |
| 16 | Bank of Lake Mills | Lake Mills, WI | +155 bps | $534 million |
| 17 | Pinnacle Bank | Elberton, GA | +153 bps | $4.0 billion |
| 18 | Wsb Municipal Bank | Watertown, NY | +139 bps | $152 million |
| 19 | Genesis Bank | Newport Beach, CA | +138 bps | $340 million |
| 20 | Titan Bank N.A. | Mineral Wells, TX | +137 bps | $896 million |
| 21 | Bank of Little Rock | Little Rock, AR | +136 bps | $253 million |
| 22 | Wex Bank | Sandy, UT | +133 bps | $10.7 billion |
| 23 | Exchange Bank | Milledgeville, GA | +131 bps | $410 million |
| 24 | Ballston Spa National Bank | Ballston Spa, NY | +129 bps | $1.4 billion |
| 25 | Evolve Bank & Trust | West Memphis, AR | +123 bps | $1.2 billion |
| 26 | Horizon Bank | Michigan City, IN | +121 bps | $6.5 billion |
| 27 | Midland Federal Savings and Loan Association | Bridgeview, IL | +118 bps | $111 million |
| 28 | Nationwide Trust Company FSB | Columbus, OH | +118 bps | $154 million |
| 29 | Gateway Bank, F.S.B. | Oakland, CA | +116 bps | $288 million |
| 30 | Global Innovations Bank | Kiester, MN | +114 bps | $120 million |
| 31 | New Republic Bank | Roanoke Rapids, NC | +113 bps | $176 million |
| 32 | First Century Bank N.A. | Commerce, GA | +112 bps | $832 million |
| 33 | Patriot Bank N.A. | Stamford, CT | +111 bps | $1.3 billion |
| 34 | Sunflower Bank N.A. | Dallas, TX | +109 bps | $15.7 billion |
| 35 | Bank | Wapello, IA | +109 bps | $217 million |
| 36 | Bank of Sun Prairie | Sun Prairie, WI | +109 bps | $841 million |
| 37 | State Bank of Graymont | Graymont, IL | +108 bps | $313 million |
| 38 | The First National Bank of Waverly | Waverly, OH | +106 bps | $196 million |
| 39 | Red River State Bank | Halstad, MN | +105 bps | $110 million |
| 40 | First National Community Bank | New Richmond, WI | +104 bps | $345 million |
| 41 | Blackhawk Bank & Trust | Milan, IL | +104 bps | $2.0 billion |
| 42 | Warren Bank and Trust Company | Warren, AR | +103 bps | $146 million |
| 43 | Community West Bank | Fresno, CA | +103 bps | $5.0 billion |
| 44 | North American Banking Company | Roseville, MN | +99 bps | $1.5 billion |
| 45 | United Bankers' Bank | Richfield, MN | +97 bps | $1.1 billion |
| 46 | Farmers Bank & Trust | Atwood, KS | +96 bps | $159 million |
| 47 | Providence Bank & Trust | South Holland, IL | +95 bps | $1.6 billion |
| 48 | Bridge Community Bank | Mount Vernon, IA | +94 bps | $141 million |
| 49 | Cornerstone State Bank | Montgomery, MN | +93 bps | $247 million |
| 50 | Hoyne Savings Bank | Chicago, IL | +93 bps | $480 million |
| 51 | Sterling State Bank | Austin, MN | +92 bps | $462 million |
| 52 | Icon Business Bank | Riverside, CA | +91 bps | $156 million |
| 53 | First Federal Savings Bank of Kentucky | Frankfort, KY | +91 bps | $283 million |
| 54 | The First National Bank of Saint Ignace | St. Ignace, MI | +91 bps | $336 million |
| 55 | Planters Bank & Trust Company | Indianola, MS | +91 bps | $2.7 billion |
| 56 | Ozarks Federal Savings and Loan Association | Farmington, MO | +90 bps | $277 million |
| 57 | Texasbank | Fort Worth, TX | +90 bps | $2.5 billion |
| 58 | Eastbank N.A. | New York, NY | +90 bps | $153 million |
| 59 | The First National Bank of Louisburg | Louisburg, KS | +90 bps | $201 million |
| 60 | New Omni Bank N.A. | Alhambra, CA | +89 bps | $518 million |
| 61 | The Farmers Bank | Greensboro, GA | +89 bps | $148 million |
| 62 | Cornerstone Bank | Lexington, VA | +88 bps | $233 million |
| 63 | New Carlisle Federal Savings Bank | New Carlisle, OH | +88 bps | $330 million |
| 64 | Central Penn Bank & Trust | Mifflinburg, PA | +88 bps | $1.3 billion |
| 65 | Partners Bank of California | Mission Viejo, CA | +87 bps | $602 million |
| 66 | The First National Bank of Williamson | Williamson, WV | +85 bps | $120 million |
| 67 | Touchmark National Bank | Alpharetta, GA | +85 bps | $417 million |
| 68 | Fieldpoint Private Bank & Trust | Greenwich, CT | +85 bps | $867 million |
| 69 | Gateway Bank | Mendota Heights, MN | +85 bps | $320 million |
| 70 | First Bank of Coastal Georgia | Pembroke, GA | +84 bps | $216 million |
| 71 | Blue Grass Savings Bank | Blue Grass, IA | +84 bps | $225 million |
| 72 | Northern State Bank of Virginia | Virginia, MN | +84 bps | $102 million |
| 73 | Farmers State Bank | Waterloo, IA | +84 bps | $1.6 billion |
| 74 | Three Rivers Bank of Montana | Kalispell, MT | +84 bps | $293 million |
| 75 | Peoples Bank of Kankakee County | Bourbonnais, IL | +84 bps | $376 million |
| 76 | The Tri-County Bank | Stuart, NE | +84 bps | $299 million |
| 77 | Qnb Bank | Quakertown, PA | +83 bps | $2.4 billion |
| 78 | Walpole Co-Operative Bank | Walpole, MA | +83 bps | $646 million |
| 79 | Graham Savings and Loan SSB | Graham, TX | +82 bps | $155 million |
| 80 | Greeneville Federal Bank, F.S.B. | Greeneville, TN | +82 bps | $204 million |
| 81 | Cornerstone Capital Bank SSB | Houston, TX | +82 bps | $3.7 billion |
| 82 | Eagle Rock Bank | Rochester, MN | +81 bps | $508 million |
| 83 | Exchange State Bank | Saint Paul, KS | +80 bps | $105 million |
| 84 | Security Federal Savings Bank of Mcminnville | Mcminnville, TN | +80 bps | $386 million |
| 85 | Bank of Yazoo City | Yazoo City, MS | +79 bps | $318 million |
| 86 | Santander Bank N.A. | Wilmington, DE | +79 bps | $104 billion |
| 87 | The Kaw Valley State Bank and Trust Company, of Wamego, Kansas | Wamego, KS | +79 bps | $296 million |
| 88 | First Bank of Manhattan | Manhattan, IL | +79 bps | $266 million |
| 89 | Bankokolona | Okolona, MS | +78 bps | $360 million |
| 90 | First Commerce Bank | Lakewood, NJ | +78 bps | $2.0 billion |
| 91 | Cleo State Bank | Cleo Springs, OK | +78 bps | $123 million |
| 92 | Carver State Bank | Savannah, GA | +78 bps | $111 million |
| 93 | First Community Bank of Hillsboro | Hillsboro, IL | +77 bps | $133 million |
| 94 | Cornerstone Bank | Overland Park, KS | +77 bps | $505 million |
| 95 | First State Bank | Buxton, ND | +77 bps | $424 million |
| 96 | Citizens Business Bank N.A. | Ontario, CA | +77 bps | $21.2 billion |
| 97 | Brickyard Bank | Lincolnwood, IL | +76 bps | $159 million |
| 98 | Simmons Bank | Pine Bluff, AR | +76 bps | $24.7 billion |
| 99 | The Farmers National Bank of Danville | Danville, KY | +76 bps | $990 million |
| 100 | Great American Bank | Lawrence, KS | +75 bps | $513 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings