State Rankings & Insights
See how banks across MICHIGAN rank on Net Interest Margin for 2025Q1. Values are reported in percentage terms as of 2025-03-31. Browse the table below or jump directly to an institution’s call‑report profile.
- Average: 3.70%
- Median: 3.75%
- Min / Max: 1.46% — 5.46%
Top banks by Net Interest Margin in MICHIGAN
CAPITOL NATIONAL BANK – LANSINGOXFORD BANK – OXFORDFIRST COMMUNITY BANK – HARBOR SPRINGSJPMORGAN CHASE BANK DEARBORN – DEARBORNFIRST NB OF AMERICA – EAST LANSINGCITIZENS STATE BANK – ROYAL OAKBANK MICHIGAN – BROOKLYNBAY PORT STATE BANK – BAY PORTFIRST STATE BANK OF DECATUR – DECATURSTATE SAVINGS BANK – FRANKFORT
Count
78
Sum
288.78%
Avg
3.70%
Median
3.75%
Min
1.46%
Max
5.46%
| Bank | City | Net Interest Margin |
|---|---|---|
| CAPITOL NATIONAL BANK | LANSING | 5.46% |
| OXFORD BANK | OXFORD | 5.37% |
| FIRST COMMUNITY BANK | HARBOR SPRINGS | 5.12% |
| JPMORGAN CHASE BANK DEARBORN | DEARBORN | 4.89% |
| FIRST NB OF AMERICA | EAST LANSING | 4.86% |
| CITIZENS STATE BANK | ROYAL OAK | 4.75% |
| BANK MICHIGAN | BROOKLYN | 4.70% |
| BAY PORT STATE BANK | BAY PORT | 4.65% |
| FIRST STATE BANK OF DECATUR | DECATUR | 4.54% |
| STATE SAVINGS BANK | FRANKFORT | 4.49% |
| CENTURY BANK&TRUST | COLDWATER | 4.46% |
| CENTRAL SAVINGS BANK | SAULT SAINTE MAR | 4.45% |
| HOMESTEAD SAVINGS BANK | ALBION | 4.41% |
| TRI-COUNTY BANK | BROWN CITY | 4.39% |
| THUMB BANK&TRUST | PIGEON | 4.31% |
| SIDNEY STATE BANK | SIDNEY | 4.31% |
| UNIVERSITY BANK | ANN ARBOR | 4.30% |
| MACATAWA BANK NATIONAL ASSN | HOLLAND | 4.26% |
| HURON VALLEY STATE BANK | MILFORD | 4.24% |
| PLANTE MORAN TRUST NA | SOUTHFIELD | 4.23% |
| BANK OF ANN ARBOR | ANN ARBOR | 4.21% |
| BAYBANK | GLADSTONE | 4.20% |
| 1ST STATE BANK | SAGINAW | 4.17% |
| CHELSEA STATE BANK | CHELSEA | 4.16% |
| LAKE-OSCEOLA STATE BANK | BALDWIN | 4.04% |
| FIRST BANK UPPER MICHIGAN | GLADSTONE | 4.02% |
| NORTHSTAR BANK | BAD AXE | 4.02% |
| EASTERN MICHIGAN BANK | CROSWELL | 3.96% |
| FIRST NB OF WAKEFIELD | WAKEFIELD | 3.91% |
| HONOR BANK | HONOR | 3.90% |
| UNION BANK | GRAND RAPIDS | 3.88% |
| CHARLEVOIX STATE BANK | CHARLEVOIX | 3.88% |
| DART BANK | MASON | 3.87% |
| KALAMAZOO COUNTY STATE BANK | SCHOOLCRAFT | 3.84% |
| UPPER PENINSULA STATE BANK | ESCANABA | 3.83% |
| COMMERCIAL BANK | ITHACA | 3.83% |
| PORT AUSTIN STATE BANK | PORT AUSTIN | 3.80% |
| WEST MICHIGAN COMMUNITY BANK | HUDSONVILLE | 3.80% |
| WEST SHORE BANK | LUDINGTON | 3.76% |
| COUNTY NATIONAL BANK | HILLSDALE | 3.74% |
| ALDEN STATE BANK | ALDEN | 3.72% |
| BLISSFIELD STATE BANK | BLISSFIELD | 3.68% |
| GOGEBIC RANGE BANK | IRONWOOD | 3.65% |
| INDEPENDENT BANK | GRAND RAPIDS | 3.62% |
| STURGIS BANK&TRUST CO | STURGIS | 3.62% |
| CITIZENS NB OF CHEBOYGAN | CHEBOYGAN | 3.60% |
| COMMUNITY UNITY BANK | BIRMINGHAM | 3.60% |
| MINERS STATE BANK | IRON RIVER | 3.58% |
| MERCANTILE BANK | GRAND RAPIDS | 3.56% |
| HURON COMMUNITY BANK | EAST TAWAS | 3.55% |
| MAYVILLE STATE BANK | MAYVILLE | 3.53% |
| SHELBY STATE BANK | SHELBY | 3.45% |
| SUPERIOR NATIONAL BANK | HANCOCK | 3.45% |
| HURON STATE BANK | ROGERS CITY | 3.43% |
| CHOICEONE BANK | SPARTA | 3.40% |
| UNITED BANK OF MICHIGAN | GRAND RAPIDS | 3.40% |
| EATON COMMUNITY BANK | CHARLOTTE | 3.36% |
| FIRST STATE BANK | EASTPOINTE | 3.30% |
| FIRST NATIONAL BANK&TRUST CO | IRON MOUNTAIN | 3.27% |
| RANGE BANK | MARQUETTE | 3.22% |
| SOUTHERN MICHIGAN BANK&TRUST | COLDWATER | 3.20% |
| FIRST INDEPENDENCE BANK | DETROIT | 3.15% |
| HIGHPOINT COMMUNITY BANK | HASTINGS | 3.12% |
| ISABELLA BANK | MOUNT PLEASANT | 3.08% |
| GREENLEAF TRUST NA | KALAMAZOO | 3.08% |
| PEOPLES STB OF MUNISING | MUNISING | 2.98% |
| STERLING BANK&TRUST FSB | SOUTHFIELD | 2.85% |
| G W JONES EXCHANGE BANK | MARCELLUS | 2.85% |
| MI BANK | BLOOMFIELD TOWNS | 2.82% |
| STATE SB OF MANISTIQUE | MANISTIQUE | 2.80% |
| NORTHERN INTERSTATE BANK N A | NORWAY | 2.73% |
| FIRST NB OF MICHIGAN | KALAMAZOO | 2.71% |
| GRAND RIVER BANK | GRANDVILLE | 2.70% |
| DEARBORN FSB | DEARBORN | 2.63% |
| NORTHPOINTE BANK | GRAND RAPIDS | 2.33% |
| FIRST NB OF ST IGNACE | ST. IGNACE | 1.83% |
| COMERICA B&T NA | ANN ARBOR | 1.46% |
| AUTO CLUB TRUST FSB | DEARBORN | 1.46% |