Emigrant Mercantile 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.
Emigrant Mercantile Bank reported little change from Q1 2026 to Q2 2026. Yield on earning assets showed the biggest shift, 3.22% to 3.22%. Within New York, Emigrant Mercantile Bank is 75th of 105 on net interest margin, 3.22% as of Q2 2026, below the middle of the field. Emigrant Mercantile Bank reported 3.22% on net interest margin for Q2 2026, 0.67 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.22% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.00% |
| Cost of interest-bearing deposits | — |
| Cost of interest-bearing liabilities | — |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | — |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $0 |
| Interest expense on deposits | $0 |
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 |
|---|---|---|---|
| Q3 2023 | 5.04% | 0.00% | 5.04% |
| Q4 2023 | 5.03% | 0.00% | 5.03% |
| Q1 2024 | 5.03% | 0.00% | 5.03% |
| Q2 2024 | 4.98% | 0.00% | 4.98% |
| Q3 2024 | 5.07% | 0.00% | 5.07% |
| Q4 2024 | 4.28% | 0.00% | 4.28% |
| Q1 2025 | 3.96% | 0.00% | 3.96% |
| Q2 2025 | 3.95% | 0.00% | 3.95% |
| Q3 2025 | 4.06% | 0.00% | 4.06% |
| Q4 2025 | 3.58% | 0.00% | 3.58% |
| Q1 2026 | 3.22% | 0.00% | 3.22% |
| Q2 2026 | 3.22% | 0.00% | 3.22% |
Emigrant Mercantile 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 Emigrant Mercantile 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 Emigrant Mercantile Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57834) · FFIEC NIC profile (RSSD 3268173)