Arrow Bank N.A.: 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 Cost of borrowings: 1.29 percentage points higher than in Q1 2026, at 3.29%. Arrow Bank N.A. ranks 62nd of 105 New York banks on net interest margin, in the lower half at 3.45% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Arrow Bank N.A. sits 0.26 points lower, at 3.45% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.11% |
| Yield on loans | 5.45% |
| Yield on securities | 3.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.14% |
| Cost of borrowings | 3.29% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.45% |
| Yield to cost spread | 2.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $47.2M |
| Total interest expense | $17.5M |
| Interest expense on deposits | $16.5M |
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 | 4.24% | 1.70% | 2.65% | 4.68% | 2.02% |
| Q4 2023 | 4.44% | 1.86% | 2.69% | 4.86% | 2.13% |
| Q1 2024 | 4.59% | 2.03% | 2.67% | 4.94% | 2.36% |
| Q2 2024 | 4.71% | 2.13% | 2.71% | 5.08% | 2.36% |
| Q3 2024 | 4.85% | 2.18% | 2.80% | 5.24% | 2.39% |
| Q4 2024 | 7.96% | 3.41% | 4.61% | 9.66% | 3.92% |
| Q1 2025 | 4.77% | 1.90% | 2.99% | 5.24% | 2.90% |
| Q2 2025 | 4.99% | 1.94% | 3.17% | 5.35% | 3.00% |
| Q3 2025 | 5.12% | 1.96% | 3.28% | 5.48% | 3.20% |
| Q4 2025 | 5.09% | 1.93% | 3.30% | 5.48% | 3.33% |
| Q1 2026 | 5.11% | 1.77% | 3.45% | 5.49% | 3.39% |
| Q2 2026 | 5.11% | 1.78% | 3.45% | 5.45% | 3.48% |
Arrow Bank N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Arrow Bank N.A., 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 Arrow Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7074) · FFIEC NIC profile (RSSD 866000)