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OFFICIAL PUBLICATION OF THE INDIANA BANKERS ASSOCIATION

Vol. 109 2025 No. 3 Feature

Bank Trends: Can Margin Improvement Continue in 2025?

Community banks saw impressive growth in net interest margin throughout 2024. U.S. banks with less than $10 billion in assets (around 4,200 institutions) improved net interest margins from a post-pandemic low of 3.34 at year-end 2023 to 3.52 at year-end 2024.

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