Bank of Holland: 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.
Compared with Q1 2026, Yield on securities fell 0.36 percentage points in Q2 2026 to 2.18%, the biggest move on this page. Within New York, Bank of Holland is 37th of 105 on net interest margin, 3.80% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Holland sits 0.15 points lower, at 3.80% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.93% |
| Yield on loans | 5.74% |
| Yield on securities | 2.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.30% |
| Cost of interest-bearing deposits | 1.59% |
| Cost of interest-bearing liabilities | 1.68% |
| Cost of borrowings | 4.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $714K |
| Interest expense on deposits | $657K |
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 | 4.49% | 1.02% | 3.57% | 5.11% | 2.23% |
| Q4 2023 | 4.71% | 1.27% | 3.56% | 5.28% | 2.60% |
| Q1 2024 | 4.68% | 1.54% | 3.30% | 5.25% | 2.36% |
| Q2 2024 | 4.93% | 1.71% | 3.38% | 5.43% | 2.70% |
| Q3 2024 | 5.05% | 1.77% | 3.44% | 5.60% | 2.27% |
| Q4 2024 | 5.09% | 1.63% | 3.60% | 5.55% | 2.64% |
| Q1 2025 | 5.01% | 1.46% | 3.70% | 5.46% | 2.65% |
| Q2 2025 | 5.14% | 1.43% | 3.84% | 5.64% | 2.59% |
| Q3 2025 | 5.40% | 1.45% | 4.08% | 5.84% | 3.38% |
| Q4 2025 | 5.34% | 1.42% | 4.05% | 5.80% | 3.36% |
| Q1 2026 | 5.01% | 1.36% | 3.82% | 5.66% | 2.54% |
| Q2 2026 | 4.93% | 1.30% | 3.80% | 5.74% | 2.18% |
Bank of Holland yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Holland, 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 Bank of Holland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1464) · FFIEC NIC profile (RSSD 941804)