Fieldpoint Private Bank & Trust: 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 Total interest expense, which fell 5.4% to $6.4M. Fieldpoint Private Bank & Trust has the 2nd lowest net interest margin of the 27 banks headquartered in Connecticut, at 2.13% as of Q2 2026. Fieldpoint Private Bank & Trust reported 2.13% on net interest margin for Q2 2026, 1.82 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.01% |
| Yield on loans | 5.69% |
| Yield on securities | 3.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.99% |
| Cost of interest-bearing deposits | 3.44% |
| Cost of interest-bearing liabilities | 3.46% |
| Cost of borrowings | 4.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.13% |
| Yield to cost spread | 1.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.0M |
| Total interest expense | $6.4M |
| 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 | 5.03% | 3.99% | 1.19% | 5.25% | 2.53% |
| Q4 2023 | 5.13% | 4.67% | 0.95% | 5.25% | 2.64% |
| Q1 2024 | 5.02% | 4.52% | 0.74% | 5.25% | 3.11% |
| Q2 2024 | 5.18% | 4.51% | 0.86% | 5.39% | 3.51% |
| Q3 2024 | 5.28% | 4.59% | 0.86% | 5.47% | 3.58% |
| Q4 2024 | 5.08% | 4.33% | 0.96% | 5.47% | 3.02% |
| Q1 2025 | 4.85% | 3.99% | 1.04% | 5.19% | 2.94% |
| Q2 2025 | 4.94% | 3.79% | 1.31% | 5.36% | 3.23% |
| Q3 2025 | 5.26% | 3.69% | 1.79% | 5.75% | 3.21% |
| Q4 2025 | 5.07% | 3.53% | 1.72% | 5.54% | 2.98% |
| Q1 2026 | 5.07% | 3.16% | 2.04% | 5.66% | 2.89% |
| Q2 2026 | 5.01% | 2.99% | 2.13% | 5.69% | 3.21% |
Fieldpoint Private Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fieldpoint Private Bank & Trust, 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 Fieldpoint Private Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58741) · FFIEC NIC profile (RSSD 3664588)