Artisans' 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.
Net interest margin rose 0.15 percentage points from Q1 2026 to Q2 2026, ending at 3.35% against 3.20%. It was the largest change among the key lines on this page. Artisans' Bank ranks 13th of 16 Delaware banks on net interest margin, in the lower half at 3.35% (Q2 2026). Artisans' Bank reported 3.35% on net interest margin for Q2 2026, 0.59 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.12% |
| Yield on loans | 6.01% |
| Yield on securities | 2.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.91% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | 3.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.35% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.8M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $3.1M |
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 | 4.71% | 1.38% | 3.42% | 5.68% | 1.78% |
| Q4 2023 | 4.76% | 1.68% | 3.19% | 5.72% | 1.75% |
| Q1 2024 | 4.80% | 1.87% | 3.04% | 5.74% | 1.81% |
| Q2 2024 | 4.93% | 2.05% | 3.02% | 5.86% | 1.83% |
| Q3 2024 | 5.02% | 2.22% | 2.95% | 5.96% | 1.85% |
| Q4 2024 | 5.00% | 2.27% | 2.88% | 5.93% | 1.75% |
| Q1 2025 | 4.93% | 2.15% | 2.91% | 5.82% | 1.76% |
| Q2 2025 | 4.98% | 2.05% | 3.07% | 5.87% | 1.92% |
| Q3 2025 | 5.11% | 2.01% | 3.25% | 6.03% | 2.00% |
| Q4 2025 | 5.07% | 1.99% | 3.21% | 6.01% | 2.13% |
| Q1 2026 | 4.99% | 1.92% | 3.20% | 5.89% | 2.19% |
| Q2 2026 | 5.12% | 1.91% | 3.35% | 6.01% | 2.28% |
Artisans' 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 Artisans' 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 Artisans' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17123) · FFIEC NIC profile (RSSD 73116)