Amalgamated 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 6.8% to $30.6M. Within New York, Amalgamated Bank is 38th of 105 on net interest margin, 3.78% as of Q2 2026. At 3.78%, Amalgamated Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.11% |
| Yield on loans | 5.19% |
| Yield on securities | 5.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.33% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 2.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $66.0M |
| Total interest expense | $30.6M |
| Interest expense on deposits | $30.6M |
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 | 4.73% | 1.28% | 3.35% | 4.60% | 4.96% |
| Q4 2023 | 4.89% | 1.35% | 3.47% | 4.72% | 5.17% |
| Q1 2024 | 4.90% | 1.33% | 3.47% | 4.74% | 5.10% |
| Q2 2024 | 4.86% | 1.31% | 3.43% | 4.66% | 5.05% |
| Q3 2024 | 4.99% | 1.29% | 3.53% | 4.82% | 5.16% |
| Q4 2024 | 5.06% | 1.39% | 3.64% | 5.02% | 5.13% |
| Q1 2025 | 4.96% | 1.50% | 3.51% | 4.93% | 5.00% |
| Q2 2025 | 5.03% | 1.56% | 3.55% | 5.04% | 5.03% |
| Q3 2025 | 5.18% | 1.63% | 3.65% | 5.27% | 5.09% |
| Q4 2025 | 5.09% | 1.39% | 3.70% | 5.15% | 5.06% |
| Q1 2026 | 5.03% | 1.26% | 3.72% | 5.10% | 5.01% |
| Q2 2026 | 5.11% | 1.33% | 3.78% | 5.19% | 5.08% |
Amalgamated 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 Amalgamated 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 Amalgamated Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 622) · FFIEC NIC profile (RSSD 661308)