Dime 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.
In Q2 2026, Total interest expense edged up by 2.4%, from $4.4M to $4.5M, the largest move among the key lines here. Dime Bank ranks 16th of 27 Connecticut banks on net interest margin, in the lower half at 3.28% (Q2 2026). Dime Bank reported 3.28% on net interest margin for Q2 2026, 0.43 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 5.33% |
| Yield on securities | 2.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 4.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.28% |
| Yield to cost spread | 2.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.4M |
| Total interest expense | $4.5M |
| Interest expense on deposits | $3.1M |
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 | 3.74% | 1.35% | 2.18% | 4.72% | 1.56% |
| Q4 2023 | 3.81% | 1.36% | 2.23% | 4.69% | 1.61% |
| Q1 2024 | 3.95% | 1.47% | 2.25% | 4.70% | 1.72% |
| Q2 2024 | 4.02% | 1.53% | 2.28% | 4.70% | 2.01% |
| Q3 2024 | 4.18% | 1.58% | 2.37% | 4.83% | 2.23% |
| Q4 2024 | 4.23% | 1.50% | 2.49% | 4.86% | 2.33% |
| Q1 2025 | 4.21% | 1.47% | 2.52% | 4.82% | 2.44% |
| Q2 2025 | 4.41% | 1.49% | 2.73% | 5.04% | 2.47% |
| Q3 2025 | 4.52% | 1.42% | 2.91% | 5.16% | 2.47% |
| Q4 2025 | 4.65% | 1.39% | 3.06% | 5.22% | 2.55% |
| Q1 2026 | 4.72% | 1.32% | 3.22% | 5.25% | 2.58% |
| Q2 2026 | 4.82% | 1.36% | 3.28% | 5.33% | 2.56% |
Dime 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 Dime 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 Dime Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18200) · FFIEC NIC profile (RSSD 311603)