State Rankings & Insights
See how banks across NORTH CAROLINA 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: 3.28%
- Median: 3.31%
- Min / Max: 1.62% — 5.14%
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 – RALEIGHHOMETRUST BANK – ASHEVILLEMECHANICS&FARMERS BANK – DURHAMNANTAHALA BANK&TRUST CO – FRANKLINBLUEHARBOR BANK – MOORESVILLEFIDELITY BANK – FUQUAY VARINA
Count
40
Sum
131.32%
Avg
3.28%
Median
3.31%
Min
1.62%
Max
5.14%
| Bank | City | Net Interest Margin |
|---|---|---|
| FARMERS&MERCHANTS BANK | GRANITE QUARRY | 5.14% |
| CEDAR HILL NATIONAL BANK | CHARLOTTE | 4.65% |
| AMERICAN BK OF THE CAROLINAS | MONROE | 4.43% |
| BANK OF OAK RIDGE | OAK RIDGE | 4.17% |
| DOGWOOD STATE BANK | RALEIGH | 4.13% |
| HOMETRUST BANK | ASHEVILLE | 4.07% |
| MECHANICS&FARMERS BANK | DURHAM | 4.06% |
| NANTAHALA BANK&TRUST CO | FRANKLIN | 4.03% |
| BLUEHARBOR BANK | MOORESVILLE | 4.03% |
| FIDELITY BANK | FUQUAY VARINA | 3.88% |
| MORGANTON SAVINGS BANK SSB | MORGANTON | 3.88% |
| PROVIDENCE BANK | ROCKY MOUNT | 3.87% |
| KS BANK INC | SMITHFIELD | 3.86% |
| NORTH STATE BANK | RALEIGH | 3.76% |
| PEOPLES BANK | NEWTON | 3.62% |
| TIAA TRUST NATIONAL ASSN | CHARLOTTE | 3.50% |
| UWHARRIE BANK | ALBEMARLE | 3.49% |
| FIRST BANK | SOUTHERN PINES | 3.43% |
| LIFESTORE BANK | WEST JEFFERSON | 3.39% |
| FIRST CAROLINA BANK | ROCKY MOUNT | 3.37% |
| FIRST-CITIZENS BANK&TRUST CO | RALEIGH | 3.24% |
| LIVE OAK BANKING CO | WILMINGTON | 3.24% |
| TRUIST BANK | CHARLOTTE | 3.13% |
| SOUTHERN BANK&TRUST CO | MOUNT OLIVE | 3.04% |
| HERTFORD SAVINGS BANK SSB | HERTFORD | 3.03% |
| ROXBORO SAVINGS BANK SSB | ROXBORO | 3.00% |
| FIRST FEDERAL BANK | DUNN | 2.97% |
| TAYLORSVILLE SB SSB | TAYLORSVILLE | 2.93% |
| RIVERSIDE SAVINGS BANK SSB | ROANOKE RAPIDS | 2.92% |
| LUMBEE GUARANTY BANK | PEMBROKE | 2.91% |
| FIRST FSB OF LINCOLNTON | LINCOLNTON | 2.81% |
| JACKSON SAVINGS BANK SSB | SYLVA | 2.79% |
| BANK OF AMERICA NA | CHARLOTTE | 2.46% |
| BELMONT SAVINGS BANK SSB | BELMONT | 2.29% |
| TRIAD BUSINESS BANK | GREENSBORO | 2.29% |
| NEW REPUBLIC BANK | CHARLOTTE | 2.24% |
| PIEDMONT FSB | WINSTON SALEM | 2.02% |
| BLACK MOUNTAIN SB SSB | BLACK MOUNTAIN | 1.98% |
| FIRST SAVINGS&LOAN ASSN | MEBANE | 1.65% |
| TARBORO SAVINGS BANK SSB | TARBORO | 1.62% |