Dr 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.31 percentage points to 5.40%. As of Q2 2026, Dr Bank ranks first in Connecticut on net interest margin among 27 banks, at 5.40%. Dr Bank reported 5.40% on net interest margin for Q2 2026, 1.46 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.51% |
| Yield on loans | 9.11% |
| Yield on securities | 4.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.33% |
| Cost of interest-bearing deposits | 3.51% |
| Cost of interest-bearing liabilities | 3.57% |
| Cost of borrowings | 4.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.40% |
| Yield to cost spread | 4.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.8M |
| Total interest expense | $6.5M |
| Interest expense on deposits | $6.0M |
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 | 5.96% | 3.34% | 2.85% | 6.09% | 5.06% |
| Q4 2023 | 6.37% | 3.72% | 2.95% | 6.56% | 5.02% |
| Q1 2024 | 6.95% | 3.94% | 3.24% | 7.20% | 5.10% |
| Q2 2024 | 6.87% | 4.00% | 3.11% | 7.10% | 5.16% |
| Q3 2024 | 7.92% | 4.36% | 3.69% | 8.28% | 5.20% |
| Q4 2024 | 7.88% | 4.07% | 3.94% | 8.20% | 5.14% |
| Q1 2025 | 8.10% | 3.86% | 4.37% | 8.49% | 4.88% |
| Q2 2025 | 8.64% | 3.80% | 4.98% | 9.12% | 4.83% |
| Q3 2025 | 8.63% | 3.74% | 5.11% | 9.13% | 4.20% |
| Q4 2025 | 8.73% | 3.50% | 5.45% | 9.29% | 4.10% |
| Q1 2026 | 8.24% | 3.29% | 5.09% | 8.70% | 4.18% |
| Q2 2026 | 8.51% | 3.33% | 5.40% | 9.11% | 4.42% |
Dr 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 Dr 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 Dr Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58257) · FFIEC NIC profile (RSSD 3428258)