The 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.
Compared with Q1 2026, Total interest expense rose 4.4% in Q2 2026 to $5.1M, the biggest move on this page. Among 109 Pennsylvania banks, The Dime Bank sits 5th from the top on net interest margin, 4.57% as of Q2 2026. The Dime Bank reported 4.57% on net interest margin for Q2 2026, 0.86 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.38% |
| Yield on loans | 6.97% |
| Yield on securities | 4.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.43% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | 4.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.57% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.9M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $4.8M |
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 | 5.44% | 1.57% | 3.69% | 6.02% | 3.57% |
| Q4 2023 | 5.95% | 1.81% | 3.97% | 6.60% | 3.66% |
| Q1 2024 | 5.78% | 1.93% | 3.68% | 6.36% | 3.59% |
| Q2 2024 | 5.97% | 1.99% | 3.86% | 6.56% | 3.85% |
| Q3 2024 | 6.28% | 1.98% | 4.11% | 6.89% | 4.18% |
| Q4 2024 | 6.21% | 2.06% | 3.98% | 6.82% | 4.19% |
| Q1 2025 | 6.01% | 2.02% | 3.86% | 6.72% | 4.01% |
| Q2 2025 | 6.24% | 1.87% | 4.23% | 7.02% | 4.04% |
| Q3 2025 | 6.42% | 1.81% | 4.46% | 7.13% | 4.18% |
| Q4 2025 | 6.33% | 1.77% | 4.44% | 7.07% | 4.20% |
| Q1 2026 | 6.41% | 1.69% | 4.61% | 7.08% | 4.19% |
| Q2 2026 | 6.38% | 1.70% | 4.57% | 6.97% | 4.61% |
The 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 The 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 The Dime Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9888) · FFIEC NIC profile (RSSD 56717)