Alden State 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.
Total interest expense dropped 11.4% in Q2 2026, from $1.1M to $991K. It was the largest change from Q1 2026 among the key lines here. Within New York, Alden State Bank is 11th of 105 on net interest margin, 4.60% as of Q2 2026, above the middle of the field. Alden State Bank reported 4.60% on net interest margin for Q2 2026, 0.65 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.51% |
| Yield on loans | 6.30% |
| Yield on securities | 3.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.92% |
| Cost of interest-bearing deposits | 1.61% |
| Cost of interest-bearing liabilities | 1.61% |
| Cost of borrowings | 80.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.60% |
| Yield to cost spread | 3.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.8M |
| Total interest expense | $991K |
| Interest expense on deposits | $990K |
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 | 4.99% | 0.54% | 4.45% | 5.74% | 2.24% |
| Q4 2023 | 4.98% | 0.65% | 4.33% | 5.76% | 2.44% |
| Q1 2024 | 5.11% | 0.91% | 4.18% | 5.80% | 2.58% |
| Q2 2024 | 5.05% | 0.93% | 4.15% | 5.96% | 2.93% |
| Q3 2024 | 5.43% | 0.99% | 4.43% | 6.04% | 3.23% |
| Q4 2024 | 5.56% | 0.96% | 4.60% | 6.35% | 3.24% |
| Q1 2025 | 5.44% | 1.07% | 4.35% | 6.12% | 3.24% |
| Q2 2025 | 5.51% | 1.06% | 4.42% | 6.21% | 3.59% |
| Q3 2025 | 5.78% | 1.11% | 4.72% | 6.52% | 3.85% |
| Q4 2025 | 5.56% | 0.97% | 4.54% | 6.20% | 3.81% |
| Q1 2026 | 5.41% | 1.12% | 4.33% | 6.02% | 3.89% |
| Q2 2026 | 5.51% | 0.92% | 4.60% | 6.30% | 3.71% |
Alden State 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 Alden State 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 Alden State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9831) · FFIEC NIC profile (RSSD 414102)