Abacus Federal Savings Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 4.44%. Abacus Federal Savings Bank ranks 15th of 105 New York banks on net interest margin, in the upper half at 4.44% (Q2 2026). Abacus Federal Savings Bank reported 4.44% on net interest margin for Q2 2026, 0.49 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 6.01% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 2.09% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.44% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $890K |
| Interest expense on deposits | $890K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans |
|---|---|---|---|---|
| Q3 2023 | 5.33% | 1.19% | 4.31% | 5.42% |
| Q4 2023 | 5.55% | 1.45% | 4.32% | 5.50% |
| Q1 2024 | 5.50% | 1.51% | 4.20% | 5.61% |
| Q2 2024 | 5.72% | 1.55% | 4.42% | 5.71% |
| Q3 2024 | 5.67% | 1.67% | 4.28% | 5.79% |
| Q4 2024 | 6.09% | 1.65% | 4.70% | 6.26% |
| Q1 2025 | 5.66% | 1.61% | 4.30% | 6.02% |
| Q2 2025 | 5.76% | 1.62% | 4.39% | 6.02% |
| Q3 2025 | 5.59% | 1.59% | 4.24% | 5.99% |
| Q4 2025 | 5.68% | 1.64% | 4.38% | 6.00% |
| Q1 2026 | 5.51% | 1.37% | 4.36% | 5.97% |
| Q2 2026 | 5.59% | 1.38% | 4.44% | 6.01% |
Abacus Federal Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Abacus Federal Savings Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Abacus Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32257) · FFIEC NIC profile (RSSD 762773)