The Delaware National Bank of Delhi: 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 7.1% to $1.3M. Within New York, The Delaware National Bank of Delhi is 89th of 105 on net interest margin, 2.57% 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. The Delaware National Bank of Delhi sits 1.38 points lower, at 2.57% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.95% |
| Yield on loans | 4.40% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.46% |
| Cost of interest-bearing deposits | 1.85% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.57% |
| Yield to cost spread | 2.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 3.45% | 1.35% | 2.19% | 4.04% | 2.22% |
| Q4 2023 | 3.53% | 1.60% | 2.03% | 4.11% | 2.24% |
| Q1 2024 | 3.62% | 1.56% | 2.16% | 4.18% | 2.15% |
| Q2 2024 | 3.64% | 1.59% | 2.15% | 4.21% | 2.12% |
| Q3 2024 | 3.70% | 1.63% | 2.18% | 4.28% | 2.10% |
| Q4 2024 | 3.72% | 1.59% | 2.24% | 4.30% | 2.12% |
| Q1 2025 | 3.72% | 1.58% | 2.25% | 4.23% | 2.37% |
| Q2 2025 | 3.79% | 1.60% | 2.30% | 4.29% | 2.52% |
| Q3 2025 | 3.88% | 1.55% | 2.44% | 4.41% | 2.51% |
| Q4 2025 | 3.90% | 1.47% | 2.54% | 4.42% | 2.55% |
| Q1 2026 | 3.87% | 1.39% | 2.57% | 4.36% | 2.63% |
| Q2 2026 | 3.95% | 1.46% | 2.57% | 4.40% | 2.79% |
The Delaware National Bank of Delhi yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Delaware National Bank of Delhi, 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 The Delaware National Bank of Delhi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7025) · FFIEC NIC profile (RSSD 236603)