Cattaraugus County 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.
Compared with Q1 2026, Net interest margin rose 0.19 percentage points in Q2 2026 to 4.23%, the biggest move on this page. Within New York, Cattaraugus County Bank is 24th of 105 on net interest margin, 4.23% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Cattaraugus County Bank sits 0.28 points higher, at 4.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 6.28% |
| Yield on securities | 3.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.15% |
| Cost of interest-bearing deposits | 1.59% |
| Cost of interest-bearing liabilities | 1.57% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $956K |
| Interest expense on deposits | $956K |
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 | 5.12% | 1.17% | 4.05% | 5.85% | 3.87% |
| Q4 2023 | 5.56% | 1.58% | 4.10% | 6.37% | 4.17% |
| Q1 2024 | 5.10% | 1.67% | 3.55% | 5.74% | 3.99% |
| Q2 2024 | 5.26% | 1.56% | 3.83% | 5.82% | 4.18% |
| Q3 2024 | 5.25% | 1.52% | 3.85% | 6.08% | 3.67% |
| Q4 2024 | 5.20% | 1.50% | 3.83% | 5.91% | 3.81% |
| Q1 2025 | 5.13% | 1.22% | 4.00% | 5.92% | 3.67% |
| Q2 2025 | 5.25% | 1.22% | 4.12% | 6.00% | 3.82% |
| Q3 2025 | 5.04% | 1.27% | 3.88% | 6.11% | 2.96% |
| Q4 2025 | 5.73% | 1.22% | 4.61% | 6.84% | 3.81% |
| Q1 2026 | 5.09% | 1.14% | 4.04% | 6.06% | 3.64% |
| Q2 2026 | 5.29% | 1.15% | 4.23% | 6.28% | 3.75% |
Cattaraugus County 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 Cattaraugus County 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 Cattaraugus County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12959) · FFIEC NIC profile (RSSD 254504)