State Rankings & Insights
See how banks across NORTH CAROLINA rank on Net Interest Margin for 2024Q4. Values are reported in percentage terms as of 2024-12-31. Browse the table below or jump directly to an institution’s call‑report profile.
- Average: 3.34%
- Median: 3.33%
- Min / Max: 1.51% — 5.38%
Top banks by Net Interest Margin in NORTH CAROLINA
FARMERS&MERCHANTS BANK – GRANITE QUARRYCEDAR HILL NATIONAL BANK – CHARLOTTEAMERICAN BK OF THE CAROLINAS – MONROEBANK OF OAK RIDGE – OAK RIDGEDOGWOOD STATE BANK – RALEIGHMECHANICS&FARMERS BANK – DURHAMHOMETRUST BANK – ASHEVILLEBLUEHARBOR BANK – MOORESVILLEMORGANTON SAVINGS BANK SSB – MORGANTONTIAA TRUST NATIONAL ASSN – CHARLOTTE
Count
40
Sum
133.56%
Avg
3.34%
Median
3.33%
Min
1.51%
Max
5.38%
| Bank | City | Net Interest Margin |
|---|---|---|
| FARMERS&MERCHANTS BANK | GRANITE QUARRY | 5.38% |
| CEDAR HILL NATIONAL BANK | CHARLOTTE | 5.01% |
| AMERICAN BK OF THE CAROLINAS | MONROE | 4.40% |
| BANK OF OAK RIDGE | OAK RIDGE | 4.19% |
| DOGWOOD STATE BANK | RALEIGH | 4.11% |
| MECHANICS&FARMERS BANK | DURHAM | 4.08% |
| HOMETRUST BANK | ASHEVILLE | 4.07% |
| BLUEHARBOR BANK | MOORESVILLE | 4.07% |
| MORGANTON SAVINGS BANK SSB | MORGANTON | 4.06% |
| TIAA TRUST NATIONAL ASSN | CHARLOTTE | 3.94% |
| FIDELITY BANK | FUQUAY VARINA | 3.92% |
| PROVIDENCE BANK | ROCKY MOUNT | 3.91% |
| KS BANK INC | SMITHFIELD | 3.87% |
| NANTAHALA BANK&TRUST CO | FRANKLIN | 3.87% |
| NORTH STATE BANK | RALEIGH | 3.79% |
| PEOPLES BANK | NEWTON | 3.63% |
| UWHARRIE BANK | ALBEMARLE | 3.61% |
| FIRST CAROLINA BANK | ROCKY MOUNT | 3.39% |
| FIRST-CITIZENS BANK&TRUST CO | RALEIGH | 3.38% |
| LIFESTORE BANK | WEST JEFFERSON | 3.33% |
| FIRST BANK | SOUTHERN PINES | 3.32% |
| LIVE OAK BANKING CO | WILMINGTON | 3.28% |
| TRUIST BANK | CHARLOTTE | 3.28% |
| HERTFORD SAVINGS BANK SSB | HERTFORD | 3.19% |
| JACKSON SAVINGS BANK SSB | SYLVA | 3.13% |
| ROXBORO SAVINGS BANK SSB | ROXBORO | 3.10% |
| TAYLORSVILLE SB SSB | TAYLORSVILLE | 3.10% |
| LUMBEE GUARANTY BANK | PEMBROKE | 3.02% |
| RIVERSIDE SAVINGS BANK SSB | ROANOKE RAPIDS | 2.98% |
| SOUTHERN BANK&TRUST CO | MOUNT OLIVE | 2.88% |
| FIRST FEDERAL BANK | DUNN | 2.87% |
| FIRST FSB OF LINCOLNTON | LINCOLNTON | 2.82% |
| BANK OF AMERICA NA | CHARLOTTE | 2.50% |
| NEW REPUBLIC BANK | CHARLOTTE | 2.31% |
| TRIAD BUSINESS BANK | GREENSBORO | 2.31% |
| BELMONT SAVINGS BANK SSB | BELMONT | 2.29% |
| BLACK MOUNTAIN SB SSB | BLACK MOUNTAIN | 1.96% |
| PIEDMONT FSB | WINSTON SALEM | 1.95% |
| FIRST SAVINGS&LOAN ASSN | MEBANE | 1.75% |
| TARBORO SAVINGS BANK SSB | TARBORO | 1.51% |