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Bank Net Interest Margin and Cost of Funds
Net interest income and interest expense, annualized, % of average earning assets, all FDIC-insured institutions
Plays the chart through its history. Pauses are where the data set a record or moved most.
FDIC Quarterly Banking Profile, all FDIC-insured commercial banks and savings institutions.
The engine of bank earnings and what feeds it. Funding costs follow the Fed’s rate up and down; the margin shows how much of each move banks keep.
What this chart reads
- U.S. Banks Net Interest Margin (FDIC, Quarterly)as “Net interest margin”latest 2026-06-30
- U.S. Banks Cost of Funding Earning Assets (FDIC)as “Cost of funding earning assets”latest 2026-06-30
Sources
U.S. Banks Net Interest Margin (FDIC, Quarterly). Source: Federal Deposit Insurance Corporation, Quarterly Banking Profile, "QBP time series spreadsheets" workbook (sheet "Ratios by Asset Size Groups", block "Quarterly Net Interest Margin", row "All Insured Institutions"), linked from fdic.gov/quarterly-banking-profile each quarter. Public domain: the FDIC data catalog (fdic.gov/data.json) licenses its banking data under the U.S. public domain label, use restriction "Unrestricted". Source: FDIC. Refreshed weekly, which re-reads the full history from the newest QBP.
U.S. Banks Cost of Funding Earning Assets (FDIC). Source: Federal Deposit Insurance Corporation, Quarterly Banking Profile, "QBP time series spreadsheets" workbook (sheet "Ratios by Asset Size Groups", block "Quarterly Cost of Funding Earning Assets", row "All Insured Institutions"), linked from fdic.gov/quarterly-banking-profile each quarter. Public domain: the FDIC data catalog (fdic.gov/data.json) licenses its banking data under the U.S. public domain label, use restriction "Unrestricted". Source: FDIC. Refreshed weekly, which re-reads the full history from the newest QBP.
Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.