Canandaigua National Trust Company of Florida: 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 down 0.05 percentage points between Q1 2026 and Q2 2026, to 0.98%. Against a median of 3.89% for banks in the < $100M asset tier, Canandaigua National Trust Company of Florida reported 0.98% on net interest margin in Q2 2026, 2.91 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 0.98% |
| Yield on loans | — |
| Yield on securities | 3.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 0.98% |
| Yield to cost spread | — |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| 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 | Securities |
|---|---|---|---|---|
| Q3 2023 | 0.96% | — | 0.96% | 2.72% |
| Q4 2023 | 0.93% | — | 0.93% | 2.99% |
| Q1 2024 | 0.92% | — | 0.92% | 3.03% |
| Q2 2024 | 1.08% | — | 1.08% | 3.77% |
| Q3 2024 | 1.02% | — | 1.02% | 3.67% |
| Q4 2024 | 1.16% | — | 1.16% | 4.85% |
| Q1 2025 | 1.07% | 0.00% | 1.07% | 4.50% |
| Q2 2025 | 1.21% | 0.00% | 1.21% | 4.51% |
| Q3 2025 | 1.13% | 0.00% | 1.13% | 3.74% |
| Q4 2025 | 1.05% | — | 1.05% | 4.52% |
| Q1 2026 | 1.03% | — | 1.03% | 3.72% |
| Q2 2026 | 0.98% | — | 0.98% | 3.76% |
Canandaigua National Trust Company of Florida yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Canandaigua National Trust Company of Florida, 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 Canandaigua National Trust Company of Florida profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 3952904)