Frederick County Bank
Frederick, MD — State Member Bank
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Net Interest Margin Over Time
| Net Interest Margin | Frederick County Bank | All Insured Commercial Banks in Maryland |
| 12-31-2016 | 3.688 | 3.678 |
| 09-30-2016 | 3.72 | 3.693 |
| 06-30-2016 | 3.727 | 3.695 |
| 03-31-2016 | 3.687 | 3.692 |
| 12-31-2015 | 3.599 | 3.664 |
| 09-30-2015 | 3.588 | 3.633 |
| 06-30-2015 | 3.607 | 3.683 |
| 03-31-2015 | 3.558 | 3.687 |
| 12-31-2014 | 3.692 | 3.704 |
| 09-30-2014 | 3.69 | 3.707 |
| 06-30-2014 | 3.677 | 3.687 |
| 03-31-2014 | 3.727 | 3.685 |
| 12-31-2013 | 3.79 | 3.676 |
| 09-30-2013 | 3.746 | 3.657 |
| 06-30-2013 | 3.704 | 3.632 |
| 03-31-2013 | 3.685 | 3.635 |
| 12-31-2012 | 3.933 | 3.728 |
| 09-30-2012 | 3.969 | 3.735 |
| 06-30-2012 | 3.94 | 3.74 |
| 03-31-2012 | 4.042 | 3.76 |
| 12-31-2011 | 4.024 | 3.788 |
| 09-30-2011 | 4.001 | 3.841 |
| 06-30-2011 | 3.935 | 3.825 |
| 03-31-2011 | 3.976 | 3.802 |
| 12-31-2010 | 4.074 | 3.827 |
| 09-30-2010 | 4.031 | 3.792 |
| 06-30-2010 | 4.093 | 3.772 |
| 03-31-2010 | 4.223 | 3.772 |
| 12-31-2009 | 3.665 | 3.654 |
| 09-30-2009 | 3.531 | 3.584 |
| 06-30-2009 | 3.457 | 3.535 |
| 03-31-2009 | 3.4 | 3.478 |
| 12-31-2008 | 3.589 | 3.828 |
| 09-30-2008 | 3.556 | 3.87 |
| 06-30-2008 | 3.449 | 3.878 |
| 03-31-2008 | 3.475 | 3.883 |
| 12-31-2007 | 3.654 | 4.232 |
| 09-30-2007 | 3.681 | 4.236 |
| 06-30-2007 | 3.677 | 4.23 |
| 03-31-2007 | 3.68 | 4.179 |
| 12-31-2006 | 3.99 | 4.374 |
| 09-30-2006 | 4.019 | 4.418 |
| 06-30-2006 | 3.986 | 4.423 |
| 03-31-2006 | 3.998 | 4.391 |
| 12-31-2005 | 4.261 | 4.332 |
| 09-30-2005 | 4.311 | 4.297 |
| 06-30-2005 | 4.294 | 4.249 |
| 03-31-2005 | 4.246 | 4.198 |
| 12-31-2004 | 4.142 | 4.135 |
| 09-30-2004 | 4.057 | 4.141 |
| 06-30-2004 | 3.984 | 4.144 |
| 03-31-2004 | 3.978 | 4.156 |
| 12-31-2003 | 3.705 | 4.271 |
| 09-30-2003 | 3.577 | 4.254 |
| 06-30-2003 | 3.602 | 4.312 |
| 03-31-2003 | 3.556 | 4.317 |
| 12-31-2002 | 3.173 | 4.412 |