BNY Mellon, 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 Yield on securities: 3.88 percentage points lower than in Q1 2026, at 0.00%. BNY Mellon, N.A. has the 1st lowest net interest margin of the 109 banks headquartered in Pennsylvania, at 1.12% as of Q2 2026. BNY Mellon, N.A.'s net interest margin of 1.12% is well below the 3.60% median for banks in the $10B-100B asset tier, a gap of 2.48 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.11% |
| Yield on loans | 4.31% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.14% |
| Cost of interest-bearing deposits | 3.18% |
| Cost of interest-bearing liabilities | 3.21% |
| Cost of borrowings | 4.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.12% |
| Yield to cost spread | 0.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $200.0M |
| Total interest expense | $211.0M |
| Interest expense on deposits | $202.0M |
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 | 5.10% | 4.15% | 1.16% | 4.96% | 3.01% |
| Q4 2023 | 5.15% | 4.19% | 1.21% | 4.98% | 3.15% |
| Q1 2024 | 5.11% | 4.10% | 1.26% | 4.99% | 2.80% |
| Q2 2024 | 5.17% | 4.14% | 1.24% | 5.04% | 4.60% |
| Q3 2024 | 5.20% | 4.25% | 1.18% | 5.09% | 2.67% |
| Q4 2024 | 4.83% | 3.77% | 1.22% | 4.85% | 0.00% |
| Q1 2025 | 4.50% | 3.50% | 1.15% | 4.59% | 3.54% |
| Q2 2025 | 4.58% | 3.65% | 1.12% | 4.63% | 3.64% |
| Q3 2025 | 4.62% | 3.68% | 1.12% | 4.72% | 0.00% |
| Q4 2025 | 4.40% | 3.37% | 1.16% | 4.61% | 3.81% |
| Q1 2026 | 4.08% | 3.04% | 1.15% | 4.32% | 3.88% |
| Q2 2026 | 4.11% | 3.14% | 1.12% | 4.31% | 0.00% |
BNY Mellon, 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 BNY Mellon, 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 BNY Mellon, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7946) · FFIEC NIC profile (RSSD 934329)