The Depository Trust Company: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
On its Q3 2026 filing, The Depository Trust Company reported 9 of the 12 line items on this page. It did not report yield on loans, yield on securities and cost of interest-bearing deposits. Yield on earning assets was 1.15% in Q3 2026, up 0.18 percentage points from 0.97% in Q3 2025. Across the 12 quarters shown it ranged from 0.90% (Q1 2026) to 4.19% (Q4 2023).
In Q3 2026, Net interest margin edged up by 0.10 percentage points, from 0.38% to 0.48%, the largest move among the key lines here. Against a median of 3.79% for banks in the $1B-10B asset tier, The Depository Trust Company reported 0.48% on net interest margin in Q3 2026, 3.31 points lower.
Asset yields
Yield on earning assets moved most in this table, up 0.14 points: 1.01% in Q2 2026, 1.15% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 1.15% |
| Yield on loans | — |
| Yield on securities | — |
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Funding costs
Cost of interest-bearing liabilities moved most in this table, up 0.08 points: 4.66% in Q2 2026, 4.74% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 4.73% |
| Cost of interest-bearing deposits | — |
| Cost of interest-bearing liabilities | 4.74% |
| Cost of borrowings | 4.73% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 0.48% |
| Yield to cost spread | -3.59% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $11.5M |
| Interest expense on deposits | $0 |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q4 2023 | 4.19% | — | 4.19% |
| Q1 2024 | 1.57% | — | 1.57% |
| Q2 2024 | 1.55% | — | 1.55% |
| Q3 2024 | 1.53% | — | 1.53% |
| Q4 2024 | 1.58% | — | 1.58% |
| Q1 2025 | 1.39% | — | 1.39% |
| Q2 2025 | 1.09% | — | 1.09% |
| Q3 2025 | 0.97% | — | 0.97% |
| Q4 2025 | 1.08% | — | 1.08% |
| Q1 2026 | 0.90% | 3.70% | 0.86% |
| Q2 2026 | 1.01% | 4.66% | 0.38% |
| Q3 2026 | 1.15% | 4.73% | 0.48% |
The Depository Trust Company yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full The Depository Trust Company profile or its peer group comparison.
Regulator records: FFIEC NIC profile (RSSD 52719)