BNY Mellon Trust of Delaware: 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.
In Q2 2026, Net interest margin edged up by 0.04 percentage points, from 3.68% to 3.72%, the largest move among the key lines here. BNY Mellon Trust of Delaware ranks 10th of 17 Delaware banks on net interest margin, in the lower half at 3.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. BNY Mellon Trust of Delaware sits 0.23 points lower, at 3.72% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.72% |
| Yield on loans | 4.52% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.00% |
| Cost of interest-bearing deposits | 0.00% |
| Cost of interest-bearing liabilities | 0.00% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 3.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $76K |
| Total interest expense | $0 |
| Interest expense on deposits | $0 |
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 |
|---|---|---|---|---|
| Q3 2023 | 5.31% | 0.00% | 5.30% | 3.90% |
| Q4 2023 | 5.57% | 0.01% | 5.56% | 4.23% |
| Q1 2024 | 5.36% | 0.01% | 5.35% | 4.08% |
| Q2 2024 | 5.38% | 0.01% | 5.37% | 4.36% |
| Q3 2024 | 5.37% | 0.01% | 5.35% | 4.27% |
| Q4 2024 | 4.78% | 0.01% | 4.77% | 4.32% |
| Q1 2025 | 4.50% | 0.00% | 4.50% | 6.39% |
| Q2 2025 | 4.54% | 0.00% | 4.53% | 6.14% |
| Q3 2025 | 4.47% | 0.00% | 4.46% | 4.46% |
| Q4 2025 | 4.04% | 0.00% | 4.04% | 4.46% |
| Q1 2026 | 3.68% | 0.00% | 3.68% | 4.37% |
| Q2 2026 | 3.72% | 0.00% | 3.72% | 4.52% |
BNY Mellon Trust of Delaware 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 Trust of Delaware, 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 Trust of Delaware profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24867) · FFIEC NIC profile (RSSD 488318)