Amalgamated Bank of Chicago: 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 Total interest expense: 9.1% higher than in Q1 2026, at $4.3M. Within Illinois, Amalgamated Bank of Chicago is 128th of 323 on net interest margin, 3.87% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Amalgamated Bank of Chicago sits 0.16 points higher, at 3.87% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.31% |
| Yield on loans | 6.01% |
| Yield on securities | 3.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 2.86% |
| Cost of interest-bearing liabilities | 2.90% |
| Cost of borrowings | 4.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 2.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.5M |
| Total interest expense | $4.3M |
| Interest expense on deposits | $4.1M |
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 | 4.82% | 0.87% | 4.02% | 5.45% | 1.95% |
| Q4 2023 | 5.11% | 1.18% | 3.95% | 5.65% | 2.47% |
| Q1 2024 | 5.18% | 1.33% | 3.80% | 5.73% | 2.68% |
| Q2 2024 | 5.20% | 1.41% | 3.84% | 5.67% | 2.81% |
| Q3 2024 | 5.37% | 1.44% | 3.99% | 5.77% | 3.42% |
| Q4 2024 | 5.25% | 1.32% | 3.95% | 5.77% | 3.54% |
| Q1 2025 | 5.18% | 1.39% | 3.72% | 5.71% | 3.55% |
| Q2 2025 | 5.23% | 1.63% | 3.67% | 5.77% | 3.56% |
| Q3 2025 | 5.39% | 1.60% | 3.82% | 5.93% | 3.88% |
| Q4 2025 | 5.31% | 1.40% | 3.92% | 6.04% | 3.92% |
| Q1 2026 | 5.31% | 1.31% | 3.93% | 6.03% | 3.69% |
| Q2 2026 | 5.31% | 1.49% | 3.87% | 6.01% | 3.87% |
Amalgamated Bank of Chicago 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 of Chicago, 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 of Chicago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 903) · FFIEC NIC profile (RSSD 397531)