The chatter about banks and interest rates can be confusing. Bankers talk like they can’t wait for rates to rise and bring relief to net interest margins. Yet regulators and analysts worry banks would be caught unprepared by a sudden shift.

In fact, according to one important measure of interest-rate sensitivity, big banks are aggressively positioned for a jump in rates — but most banks are not as well prepared. (See the graphic below. Interactive controls are described in the captions. Text continues below.)

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