BTG Pactual Bank, 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.
Total interest expense climbed 13.0% in Q2 2026, from $3.6M to $4.0M. It was the largest change from Q1 2026 among the key lines here. Within New York, BTG Pactual Bank, N.A. is 73rd of 105 on net interest margin, 3.26% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. BTG Pactual Bank, N.A. sits 0.69 points lower, at 3.26% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | 6.58% |
| Yield on securities | 4.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.34% |
| Cost of interest-bearing deposits | 3.85% |
| Cost of interest-bearing liabilities | 3.88% |
| Cost of borrowings | 4.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 1.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $4.0M |
| Interest expense on deposits | $3.5M |
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 | 5.02% | 2.79% | 2.59% | 5.24% | 4.01% |
| Q4 2023 | 5.22% | 2.98% | 2.61% | 5.40% | 4.37% |
| Q1 2024 | 5.31% | 3.11% | 2.57% | 5.48% | 4.64% |
| Q2 2024 | 5.57% | 3.18% | 2.76% | 5.69% | 5.12% |
| Q3 2024 | 5.57% | 3.25% | 2.71% | 5.68% | 5.18% |
| Q4 2024 | 5.47% | 3.17% | 2.68% | 5.66% | 5.16% |
| Q1 2025 | 5.39% | 3.08% | 2.68% | 5.70% | 4.84% |
| Q2 2025 | 5.32% | 3.08% | 2.61% | 5.58% | 4.90% |
| Q3 2025 | 5.49% | 3.15% | 2.78% | 5.80% | 4.97% |
| Q4 2025 | 5.56% | 3.30% | 2.85% | 6.26% | 4.70% |
| Q1 2026 | 4.55% | 3.32% | 2.94% | 6.01% | 4.33% |
| Q2 2026 | 4.96% | 3.34% | 3.26% | 6.58% | 4.37% |
BTG Pactual Bank, 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 BTG Pactual Bank, 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 BTG Pactual Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35154) · FFIEC NIC profile (RSSD 2916534)