Esquire Bank, 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.
The standout move of Q2 2026 was in Cost of borrowings: 4.15 percentage points higher than in Q1 2026, at 9.52%. As of Q2 2026, Esquire Bank, N.A. ranks first in New York on net interest margin among 105 banks, at 5.95%. Against a median of 3.71% for banks in the $1B-10B asset tier, Esquire Bank, N.A. reported 5.95% on net interest margin in Q2 2026, 2.24 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.88% |
| Yield on loans | 7.77% |
| Yield on securities | 3.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.03% |
| Cost of interest-bearing deposits | 1.40% |
| Cost of interest-bearing liabilities | 1.40% |
| Cost of borrowings | 9.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.95% |
| Yield to cost spread | 5.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $36.4M |
| Total interest expense | $5.6M |
| Interest expense on deposits | $5.6M |
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 | 6.85% | 0.70% | 6.22% | 7.85% | 2.32% |
| Q4 2023 | 6.94% | 0.89% | 6.15% | 7.87% | 2.58% |
| Q1 2024 | 6.86% | 0.95% | 6.01% | 7.72% | 2.79% |
| Q2 2024 | 6.93% | 0.87% | 6.16% | 7.81% | 3.15% |
| Q3 2024 | 6.98% | 0.89% | 6.19% | 7.91% | 3.38% |
| Q4 2024 | 6.76% | 0.96% | 5.90% | 7.83% | 3.42% |
| Q1 2025 | 6.72% | 0.94% | 5.88% | 7.70% | 3.68% |
| Q2 2025 | 6.89% | 0.98% | 6.01% | 7.87% | 3.73% |
| Q3 2025 | 7.02% | 1.02% | 6.09% | 8.05% | 3.82% |
| Q4 2025 | 7.01% | 1.02% | 6.10% | 8.02% | 3.78% |
| Q1 2026 | 6.84% | 0.98% | 5.96% | 7.75% | 3.78% |
| Q2 2026 | 6.88% | 1.03% | 5.95% | 7.77% | 3.75% |
Esquire Bank, 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 Esquire Bank, 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 Esquire Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58140) · FFIEC NIC profile (RSSD 3447820)