Champlain 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.
Compared with Q1 2026, Cost of borrowings rose 0.46 percentage points in Q2 2026 to 4.70%, the biggest move on this page. Within New York, Champlain National Bank is 53rd of 105 on net interest margin, 3.58% 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. Champlain National Bank sits 0.37 points lower, at 3.58% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.80% |
| Yield on loans | 5.74% |
| Yield on securities | 2.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.04% |
| Cost of interest-bearing deposits | 1.79% |
| Cost of interest-bearing liabilities | 1.83% |
| Cost of borrowings | 4.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 2.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.4M |
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 | 4.34% | 1.00% | 3.06% | 4.92% | 2.78% |
| Q4 2023 | 4.57% | 1.21% | 3.01% | 5.10% | 2.87% |
| Q1 2024 | 4.46% | 1.23% | 2.91% | 5.10% | 2.77% |
| Q2 2024 | 4.58% | 1.28% | 2.97% | 5.17% | 2.87% |
| Q3 2024 | 4.46% | 1.27% | 2.95% | 5.41% | 2.42% |
| Q4 2024 | 4.53% | 1.21% | 3.10% | 5.39% | 2.45% |
| Q1 2025 | 4.47% | 1.17% | 3.10% | 5.37% | 2.52% |
| Q2 2025 | 4.69% | 1.16% | 3.32% | 5.56% | 2.56% |
| Q3 2025 | 4.78% | 1.09% | 3.49% | 5.70% | 2.57% |
| Q4 2025 | 4.84% | 1.04% | 3.60% | 5.78% | 2.64% |
| Q1 2026 | 4.74% | 1.02% | 3.53% | 5.68% | 2.67% |
| Q2 2026 | 4.80% | 1.04% | 3.58% | 5.74% | 2.69% |
Champlain 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 Champlain 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 Champlain National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7356) · FFIEC NIC profile (RSSD 126012)