Bank of New Hampshire: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.33%. Bank of New Hampshire ranks 8th of 16 New Hampshire banks on net interest margin, in the upper half at 3.33% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Bank of New Hampshire sits 0.38 points lower, at 3.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.91% |
| Yield on loans | 5.34% |
| Yield on securities | 2.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 2.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.33% |
| Yield to cost spread | 2.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.5M |
| Total interest expense | $10.6M |
| Interest expense on deposits | $10.5M |
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 | 4.23% | 1.48% | 2.85% | 4.61% | 1.87% |
| Q4 2023 | 4.42% | 1.71% | 2.84% | 4.81% | 1.93% |
| Q1 2024 | 4.35% | 1.88% | 2.61% | 4.68% | 1.97% |
| Q2 2024 | 4.46% | 1.97% | 2.64% | 4.81% | 1.97% |
| Q3 2024 | 4.62% | 2.08% | 2.70% | 4.98% | 1.98% |
| Q4 2024 | 4.65% | 2.06% | 2.75% | 5.02% | 2.01% |
| Q1 2025 | 4.59% | 1.97% | 2.76% | 4.96% | 2.01% |
| Q2 2025 | 4.71% | 1.92% | 2.93% | 5.09% | 1.99% |
| Q3 2025 | 4.90% | 1.90% | 3.15% | 5.31% | 2.01% |
| Q4 2025 | 4.83% | 1.85% | 3.14% | 5.24% | 2.36% |
| Q1 2026 | 4.82% | 1.72% | 3.24% | 5.25% | 2.47% |
| Q2 2026 | 4.91% | 1.73% | 3.33% | 5.34% | 2.46% |
Bank of New Hampshire 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 New Hampshire, 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 New Hampshire profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18012) · FFIEC NIC profile (RSSD 265407)