Amboy 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.
Yield on securities fell 0.61 percentage points from Q1 2026 to Q2 2026, ending at 4.34% against 4.95%. It was the largest change among the key lines on this page. Within New Jersey, Amboy Bank is 16th of 49 on net interest margin, 3.55% as of Q2 2026. Amboy Bank reported 3.55% on net interest margin for Q2 2026, 0.16 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 5.92% |
| Yield on securities | 4.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 1.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.55% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.5M |
| Total interest expense | $13.0M |
| Interest expense on deposits | $12.9M |
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 | 5.41% | 1.87% | 3.61% | 5.83% | 4.35% |
| Q4 2023 | 5.64% | 2.02% | 3.71% | 5.96% | 4.48% |
| Q1 2024 | 5.61% | 2.15% | 3.60% | 6.10% | 4.17% |
| Q2 2024 | 5.77% | 2.21% | 3.70% | 6.11% | 4.46% |
| Q3 2024 | 5.85% | 2.29% | 3.73% | 6.33% | 4.48% |
| Q4 2024 | 5.46% | 2.28% | 3.34% | 5.74% | 4.40% |
| Q1 2025 | 5.61% | 2.18% | 3.53% | 6.11% | 4.36% |
| Q2 2025 | 5.59% | 2.03% | 3.67% | 5.95% | 4.38% |
| Q3 2025 | 5.66% | 2.02% | 3.75% | 6.17% | 4.67% |
| Q4 2025 | 5.64% | 2.00% | 3.71% | 6.00% | 4.90% |
| Q1 2026 | 5.49% | 1.94% | 3.61% | 5.83% | 4.95% |
| Q2 2026 | 5.39% | 1.95% | 3.55% | 5.92% | 4.34% |
Amboy 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 Amboy 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 Amboy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6423) · FFIEC NIC profile (RSSD 9807)