Alma 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.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 3.67% to 3.78%, the largest move among the key lines here. Within New York, Alma Bank is 38th of 105 on net interest margin, 3.78% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Alma Bank reported 3.78% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | 6.22% |
| Yield on securities | 4.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.39% |
| Cost of interest-bearing deposits | 3.06% |
| Cost of interest-bearing liabilities | 3.08% |
| Cost of borrowings | 4.39% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 2.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.8M |
| Total interest expense | $8.3M |
| Interest expense on deposits | $7.5M |
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 | 5.12% | 2.47% | 2.87% | 5.23% | 2.80% |
| Q4 2023 | 5.54% | 2.87% | 2.95% | 5.72% | 2.89% |
| Q1 2024 | 5.38% | 3.01% | 2.66% | 5.50% | 2.96% |
| Q2 2024 | 5.40% | 2.92% | 2.75% | 5.49% | 3.31% |
| Q3 2024 | 5.49% | 2.96% | 2.79% | 5.58% | 3.87% |
| Q4 2024 | 5.72% | 2.92% | 3.05% | 5.85% | 3.84% |
| Q1 2025 | 5.57% | 2.82% | 2.97% | 5.72% | 3.77% |
| Q2 2025 | 5.84% | 2.77% | 3.32% | 6.02% | 4.24% |
| Q3 2025 | 6.01% | 2.72% | 3.54% | 6.21% | 4.38% |
| Q4 2025 | 6.00% | 2.55% | 3.68% | 6.23% | 4.28% |
| Q1 2026 | 5.88% | 2.42% | 3.67% | 6.12% | 4.13% |
| Q2 2026 | 5.99% | 2.39% | 3.78% | 6.22% | 4.09% |
Alma 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 Alma 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 Alma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58424) · FFIEC NIC profile (RSSD 3633173)