NCIF’s annual CDFI banking industry report shows the performance of the CDFI banking sector is continuing to improve. As a group, CDFI banks surpass the average U.S. bank in several performance metrics, such as net interest margin — with CDFI banks at 3.93 percent compared to the median of all U.S. banks at 3.58 percent. CDFI banks’ assets, deposits and capital base also showed steady improvement. CDFI banks also performed strongly in NCIF’s social performance metrics, Development Deposit Intensity (DDI), which measures the concentration of a bank’s branches in low- and moderate-income areas, and Development Lending Intensity (DLI), which measures banks’ home lending concentrations in distressed areas. The median CDFI bank has a DDI score of 83 percent, compared to 40 percent for the median U.S. bank. The median CDFI bank has a DLI score of 56 percent, compared to 27 percent for the median U.S. bank.