Banks with Highest Net Interest Margin
Financial institutions ranked by net interest margin (NIM), the spread between interest earned and interest paid.
Net interest margin shows how much a bank earns on its interest-earning assets after funding costs. This ranking highlights the banks currently generating the widest spreads.
Why this metric matters
For traditional lenders, NIM is a direct read on the strength of the core lending-and-deposit franchise.
Changes in NIM can signal how well a bank is positioned for shifting rate environments, funding pressure, or loan pricing power.
What good looks like
Higher NIM is generally better, but investors should confirm it is not coming from unusually risky loan books or temporary mix shifts.
A durable NIM profile is often paired with stable deposit funding and disciplined credit costs.
Live ranking table
NIM| # | Company | Symbol | NIM |
|---|---|---|---|
| 1 | Capital One Financial Corp. | COFXNYS | 19.16% |
| 2 | WaFd Inc. | WAFDXNAS | 14.58% |
| 3 | Columbia Banking System Inc. | COLBXNAS | 13.85% |
| 4 | Hope Bancorp Inc. | HOPEXNAS | 13.40% |
| 5 | International Bancshares Corp. | IBOCXNAS | 13.39% |
| 6 | Glacier Bancorp Inc. | GBCIXNAS | 12.72% |
| 7 | East West Bancorp Inc. | EWBCXNAS | 12.70% |
| 8 | First Financial Bankshares | FFINXNAS | 12.56% |
| 9 | SouthState Corp. | SSBXNAS | 12.43% |
| 10 | Ameris Bancorp | ABCBXNAS | 12.37% |
| 11 | First Citizens BancShares | FCNCAXNAS | 12.31% |
| 12 | Western Alliance Bancorporation | WALXNYS | 12.13% |
| 13 | Banner Financial Group | BANRXNAS | 11.93% |
| 14 | Hancock Whitney Corp. | HWCXNAS | 11.47% |
| 15 | Texas Capital Bancshares | TCBIXNAS | 11.41% |
| 16 | Wells Fargo & Co. | WFCXNYS | 11.34% |
| 17 | Trustmark Corp. | TRMKXNAS | 11.19% |
| 18 | Community Trust Bancorp | CTBIXNAS | 11.08% |
| 19 | Zions Bancorporation | ZIONXNAS | 10.81% |
| 20 | PNC Financial Services Group | PNCXNYS | 10.81% |
| 21 | Regions Financial Corp. | RFXNYS | 10.65% |
| 22 | Renasant Corp. | RNSTXNAS | 10.61% |
| 23 | Seacoast Banking Corp. | SBCFXNAS | 10.56% |
| 24 | Commerce Bancshares Inc. | CBSHXNAS | 10.35% |
| 25 | M&T Bank Corp. | MTBXNYS | 10.32% |
Methodology
Uses the latest available quarterly bank KPI for net interest margin in the BankingTerminal universe.
Includes only companies with non-null NIM data and ranks each company once using its latest reported value.
Because NIM is rate-sensitive, compare results with funding mix, asset sensitivity, and recent regulatory or macro developments.
Frequently asked questions
What is net interest margin?
Net interest margin measures the spread between interest earned on loans and securities and the interest paid on deposits and other funding sources.
Why does NIM matter for bank stocks?
NIM is a major driver of revenue for many banks, so stronger or improving margins can have a meaningful effect on earnings power.
Can a very high NIM be a red flag?
It can be. Exceptionally high margins may reflect riskier lending, a niche portfolio, or a funding profile that is harder to sustain through a cycle.
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Rankings are based on the most recent reported data available in BankingTerminal and should be used as a starting point for research. Disclaimer