The Adirondack Trust Company: 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 standout move of Q2 2026 was in Yield on securities: 1.05 percentage points higher than in Q1 2026, at 2.14%. Within New York, The Adirondack Trust Company is 76th of 105 on net interest margin, 3.20% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The Adirondack Trust Company sits 0.51 points lower, at 3.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.38% |
| Yield on loans | 5.31% |
| Yield on securities | 2.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.27% |
| Cost of interest-bearing deposits | 1.74% |
| Cost of interest-bearing liabilities | 1.73% |
| Cost of borrowings | 0.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.20% |
| Yield to cost spread | 2.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.5M |
| Total interest expense | $4.8M |
| Interest expense on deposits | $4.8M |
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 | 3.48% | 0.91% | 2.64% | 4.58% | 1.34% |
| Q4 2023 | 3.56% | 1.12% | 2.52% | 4.66% | 1.32% |
| Q1 2024 | 3.57% | 1.30% | 2.35% | 4.73% | 1.19% |
| Q2 2024 | 3.94% | 1.37% | 2.67% | 4.83% | 1.69% |
| Q3 2024 | 3.84% | 1.42% | 2.52% | 4.95% | 1.24% |
| Q4 2024 | 3.87% | 1.37% | 2.59% | 5.00% | 1.24% |
| Q1 2025 | 3.86% | 1.29% | 2.66% | 4.95% | 1.34% |
| Q2 2025 | 4.05% | 1.31% | 2.83% | 5.06% | 1.52% |
| Q3 2025 | 4.16% | 1.39% | 2.87% | 5.19% | 1.36% |
| Q4 2025 | 4.21% | 1.38% | 2.92% | 5.24% | 1.37% |
| Q1 2026 | 4.06% | 1.28% | 2.87% | 5.14% | 1.12% |
| Q2 2026 | 4.38% | 1.27% | 3.20% | 5.31% | 2.14% |
The Adirondack Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Adirondack Trust Company, 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 The Adirondack Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 660) · FFIEC NIC profile (RSSD 645317)