Bank net interest margin (%) in United States
United States: Bank net interest margin (%) was 2.8% in 2021. ▼ Falling
Bank net interest margin in United States, 2000–2021
Source: Bankscope, Bureau van Dijk (BvD). Measured in %.
Analysis
United States recorded 2.8% for bank net interest margin in 2021. That is the lowest value across all 22 years on record.
Compared with earlier readings it is down 9.2% on the previous year and down 23.9% over ten years.
Over the whole period, bank net interest margin in United States peaked at 3.9% in 2002 and was at its lowest, 2.8%, in 2021.
United States ranks 93rd of 166 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 22 years of available data.
Bank net interest margin (%) in United States, year by year
| Year | % | Change |
|---|---|---|
| 2000 | 3.8% | — |
| 2001 | 3.8% | +0.0% |
| 2002 | 3.9% | +3.0% |
| 2003 | 3.7% | -6.0% |
| 2004 | 3.5% | -5.5% |
| 2005 | 3.5% | -1.0% |
| 2006 | 3.2% | -7.5% |
| 2007 | 3.1% | -2.4% |
| 2008 | 3.1% | -1.1% |
| 2009 | 3.4% | +10.1% |
| 2010 | 3.8% | +11.6% |
| 2011 | 3.6% | -4.3% |
| 2012 | 3.5% | -3.3% |
| 2013 | 3.4% | -2.8% |
| 2014 | 3.5% | +1.0% |
| 2015 | 3.2% | -6.1% |
| 2016 | 3.3% | +1.2% |
| 2017 | 3.4% | +3.2% |
| 2018 | 3.5% | +4.1% |
| 2019 | 3.5% | -1.2% |
| 2020 | 3.1% | -12.4% |
| 2021 | 2.8% | -9.2% |
United States compared with similar countries
- United States's 2.8% is above the median for high income countries, which is 1.9%, 1.4× the median. (62 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 3.5% | 3.1% | 3.9% | 10 |
| 2010s | 3.5% | 3.2% | 3.8% | 10 |
| 2020s | 2.9% | 2.8% | 3.1% | 2 |
Countries ranked near United States
More financial sector data for United States
- Reserve position in the IMF, US dollar, annual growth rate 17.82 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.001 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 89.64 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 12.2 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0007 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 65.46 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 17.82 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.001 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 89.64 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 12.2 % change on previous year (2025)
Frequently asked questions
- What is bank net interest margin in United States?
- Bank net interest margin in United States was 2.8% in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank net interest margin recorded in United States?
- The highest recorded value was 3.9% in 2002.
- What is the lowest bank net interest margin recorded in United States?
- The lowest recorded value was 2.8% in 2021.
- How does United States rank for bank net interest margin?
- United States ranks 93rd out of 166 countries with data for 2021.
- Is bank net interest margin rising or falling in United States?
- Over the last ten years it is down 23.9%. The long-run trend across the full record is falling.
- Where does this United States data come from?
- The figures come from Bankscope, Bureau van Dijk (BvD), published as part of Bank net interest margin (%). Statizoid updates them automatically from the source API.
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CSV · JSON — 22 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
About this data
Raw data are from Bankscope. Data2080[t] / ((data2010[t] + data2010[t-1])/2). Numerator and denominator are aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope.