Cayuga Lake National 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.
Cayuga Lake National Bank reported little change from Q1 2026 to Q2 2026. Net interest margin showed the biggest shift, 3.05% to 3.07%. Cayuga Lake National Bank ranks 82nd of 105 New York banks on net interest margin, in the lower half at 3.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Cayuga Lake National Bank sits 0.88 points lower, at 3.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.48% |
| Yield on loans | 5.29% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 2.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $970K |
| Interest expense on deposits | $970K |
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 | 4.25% | 1.61% | 2.75% | 5.00% | 2.77% |
| Q4 2023 | 4.49% | 1.97% | 2.62% | 5.25% | 2.85% |
| Q1 2024 | 4.50% | 2.23% | 2.40% | 5.21% | 2.79% |
| Q2 2024 | 4.43% | 2.36% | 2.21% | 5.22% | 2.58% |
| Q3 2024 | 4.65% | 2.17% | 2.60% | 5.45% | 2.89% |
| Q4 2024 | 4.82% | 1.99% | 2.93% | 5.44% | 3.40% |
| Q1 2025 | 4.51% | 1.84% | 2.78% | 5.27% | 2.88% |
| Q2 2025 | 4.56% | 1.79% | 2.88% | 5.30% | 2.95% |
| Q3 2025 | 4.53% | 1.69% | 2.96% | 5.31% | 3.06% |
| Q4 2025 | 4.58% | 1.57% | 3.09% | 5.40% | 3.03% |
| Q1 2026 | 4.47% | 1.48% | 3.05% | 5.28% | 2.98% |
| Q2 2026 | 4.48% | 1.52% | 3.07% | 5.29% | 2.96% |
Cayuga Lake National 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 Cayuga Lake National 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 Cayuga Lake National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6954) · FFIEC NIC profile (RSSD 63201)