The Berkshire 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.
The standout move of Q2 2026 was in Yield on loans: 0.95 percentage points higher than in Q1 2026, at 6.68%. Within New York, The Berkshire Bank is 49th of 105 on net interest margin, 3.68% as of Q2 2026, above the middle of the field. The Berkshire Bank reported 3.68% on net interest margin for Q2 2026, 0.27 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.40% |
| Yield on loans | 6.68% |
| Yield on securities | 2.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.95% |
| Cost of interest-bearing deposits | 1.27% |
| Cost of interest-bearing liabilities | 1.27% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $970K |
| Interest expense on deposits | $970K |
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 | 4.74% | 1.50% | 3.56% | 5.78% | 2.62% |
| Q4 2023 | 5.02% | 1.73% | 3.69% | 6.31% | 3.17% |
| Q1 2024 | 4.92% | 1.79% | 3.53% | 6.14% | 3.30% |
| Q2 2024 | 4.74% | 1.83% | 3.34% | 5.53% | 3.44% |
| Q3 2024 | 4.96% | 1.91% | 3.51% | 6.00% | 3.35% |
| Q4 2024 | 4.79% | 1.81% | 3.40% | 6.13% | 2.88% |
| Q1 2025 | 4.63% | 1.60% | 3.40% | 6.29% | 2.36% |
| Q2 2025 | 4.58% | 1.53% | 3.43% | 6.20% | 2.36% |
| Q3 2025 | 4.60% | 1.31% | 3.62% | 6.32% | 2.33% |
| Q4 2025 | 4.33% | 1.08% | 3.52% | 6.09% | 2.28% |
| Q1 2026 | 4.10% | 1.01% | 3.34% | 5.73% | 2.35% |
| Q2 2026 | 4.40% | 0.95% | 3.68% | 6.68% | 2.44% |
The Berkshire 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 The Berkshire 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 The Berkshire Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27503) · FFIEC NIC profile (RSSD 1396764)