Adelphi 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: Cost of interest-bearing deposits edged down 0.23 percentage points between Q1 2026 and Q2 2026, to 2.52%. Among 156 Ohio banks, Adelphi Bank sits 15th from the top on net interest margin, 4.61% as of Q2 2026. Adelphi Bank reported 4.61% on net interest margin for Q2 2026, 0.67 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.60% |
| Yield on loans | 7.28% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.19% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.61% |
| Yield to cost spread | 4.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $575K |
| Interest expense on deposits | $575K |
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 | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.76% | 1.39% | 5.29% | 6.70% | — |
| Q4 2023 | 6.49% | 1.36% | 5.82% | 8.61% | — |
| Q1 2024 | 6.40% | 1.31% | 5.64% | 7.76% | — |
| Q2 2024 | 7.04% | 1.63% | 6.07% | 8.21% | — |
| Q3 2024 | 7.20% | 1.98% | 5.90% | 8.14% | — |
| Q4 2024 | 6.88% | 2.17% | 5.33% | 7.77% | — |
| Q1 2025 | 6.79% | 2.18% | 5.15% | 7.49% | — |
| Q2 2025 | 6.99% | 2.12% | 5.32% | 7.62% | 3.93% |
| Q3 2025 | 6.95% | 2.46% | 5.01% | 7.59% | 5.07% |
| Q4 2025 | 7.00% | 2.21% | 5.11% | 7.57% | 3.97% |
| Q1 2026 | 6.64% | 2.13% | 4.71% | 7.35% | 3.90% |
| Q2 2026 | 6.60% | 2.19% | 4.61% | 7.28% | 3.90% |
Adelphi 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 Adelphi 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 Adelphi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59292) · FFIEC NIC profile (RSSD 5777549)