Columbia 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.
The biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing deposits edged down 0.19 percentage points between Q1 2026 and Q2 2026, to 2.49%. Columbia Bank ranks 41st of 49 New Jersey banks on net interest margin, in the lower half at 2.42% (Q2 2026). The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Columbia Bank sits 1.18 points lower, at 2.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.70% |
| Yield on loans | 5.01% |
| Yield on securities | 3.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.41% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.76% |
| Cost of borrowings | 4.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.42% |
| Yield to cost spread | 1.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $104.3M |
| Total interest expense | $59.8M |
| Interest expense on deposits | $46.1M |
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 | 4.14% | 2.18% | 2.09% | 4.51% | 2.09% |
| Q4 2023 | 4.36% | 2.65% | 1.90% | 4.72% | 2.25% |
| Q1 2024 | 4.41% | 2.80% | 1.78% | 4.77% | 2.36% |
| Q2 2024 | 4.56% | 2.87% | 1.84% | 4.92% | 2.57% |
| Q3 2024 | 4.67% | 2.92% | 1.89% | 5.03% | 2.66% |
| Q4 2024 | 4.91% | 3.02% | 2.05% | 5.22% | 3.21% |
| Q1 2025 | 4.58% | 2.62% | 2.08% | 4.83% | 3.17% |
| Q2 2025 | 4.70% | 2.64% | 2.19% | 4.95% | 3.32% |
| Q3 2025 | 4.82% | 2.64% | 2.32% | 5.10% | 3.24% |
| Q4 2025 | 4.78% | 2.54% | 2.37% | 5.08% | 3.22% |
| Q1 2026 | 4.66% | 2.42% | 2.37% | 4.96% | 3.19% |
| Q2 2026 | 4.70% | 2.41% | 2.42% | 5.01% | 3.32% |
Columbia 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 Columbia 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 Columbia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28834) · FFIEC NIC profile (RSSD 174572)