Eastbank, N.A.: 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.
Cost of borrowings dropped 0.95 percentage points in Q2 2026, from 4.02% to 3.06%. It was the largest change from Q1 2026 among the key lines here. Within New York, Eastbank, N.A. is 35th of 105 on net interest margin, 3.85% as of Q2 2026, above the middle of the field. At 3.85%, Eastbank, N.A.'s net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.01% |
| Yield on loans | 6.69% |
| Yield on securities | 5.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.74% |
| Cost of interest-bearing deposits | 3.30% |
| Cost of interest-bearing liabilities | 3.37% |
| Cost of borrowings | 3.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 2.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $799K |
| Interest expense on deposits | $713K |
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 | 4.88% | 2.78% | 2.63% | 5.72% | 2.78% |
| Q4 2023 | 5.14% | 3.08% | 2.64% | 5.89% | 2.78% |
| Q1 2024 | 5.10% | 3.35% | 2.37% | 6.02% | 2.78% |
| Q2 2024 | 5.31% | 3.28% | 2.62% | 6.18% | 2.79% |
| Q3 2024 | 5.44% | 3.42% | 2.66% | 6.45% | 2.78% |
| Q4 2024 | 5.36% | 3.39% | 2.61% | 6.50% | 2.78% |
| Q1 2025 | 5.33% | 3.05% | 2.75% | 6.46% | 2.80% |
| Q2 2025 | 5.41% | 3.09% | 2.95% | 6.55% | 2.79% |
| Q3 2025 | 5.62% | 3.16% | 3.08% | 6.70% | 2.87% |
| Q4 2025 | 5.98% | 3.00% | 3.64% | 6.66% | 4.95% |
| Q1 2026 | 5.97% | 2.84% | 3.74% | 6.57% | 5.15% |
| Q2 2026 | 6.01% | 2.74% | 3.85% | 6.69% | 5.15% |
Eastbank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastbank, N.A., 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 Eastbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25749) · FFIEC NIC profile (RSSD 98717)