Large institutions, in particular, have seen narrowing net interest margins as the yield curve has flattened
| Period | Net Interest Margin (%) Commercial banks and thrifts with total assets over $1 billion |
Net Interest Margin (%) Commercial banks and thrifts with total assets under $1 billion |
|---|---|---|
| 1990 | 3.26 | 3.92 |
| 1991 | 3.63 | 4.05 |
| 1992 | 4.05 | 4.44 |
| 1993 | 4.10 | 4.45 |
| 1994 | 4.02 | 4.47 |
| 1995 | 3.92 | 4.39 |
| 1996 | 3.95 | 4.38 |
| 1997 | 3.94 | 4.41 |
| 1998 | 3.80 | 4.32 |
| 1999 | 3.80 | 4.29 |
| 2000 | 3.67 | 4.25 |
| 2001 | 3.72 | 4.10 |
| 2002 | 3.91 | 4.20 |
| 2003 | 3.68 | 4.01 |
| 2004 | 3.44 | 4.05 |
| 2005* | 3.41 | 4.09 |
Source: FDIC *2Q Annualized