The First Bank of Greenwich: 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.
Yield on securities rose 0.64 percentage points from Q1 2026 to Q2 2026, ending at 4.61% against 3.97%. It was the largest change among the key lines on this page. Within Connecticut, The First Bank of Greenwich is 23rd of 27 on net interest margin, 3.00% as of Q2 2026, below the middle of the field. The First Bank of Greenwich reported 3.00% on net interest margin for Q2 2026, 0.95 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 5.67% |
| Yield on securities | 4.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.71% |
| Cost of interest-bearing deposits | 3.19% |
| Cost of interest-bearing liabilities | 3.32% |
| Cost of borrowings | 3.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.00% |
| Yield to cost spread | 2.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.2M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $4.2M |
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 | 4.87% | 2.43% | 2.63% | 4.85% | 3.46% |
| Q4 2023 | 4.99% | 2.78% | 2.42% | 4.99% | 3.67% |
| Q1 2024 | 4.98% | 3.01% | 2.18% | 5.03% | 3.44% |
| Q2 2024 | 5.09% | 3.18% | 2.15% | 5.11% | 3.21% |
| Q3 2024 | 5.21% | 3.25% | 2.18% | 5.27% | 3.27% |
| Q4 2024 | 5.23% | 3.10% | 2.31% | 5.32% | 3.85% |
| Q1 2025 | 5.23% | 2.59% | 2.41% | 5.37% | 3.63% |
| Q2 2025 | 5.49% | 2.93% | 2.74% | 5.63% | 4.46% |
| Q3 2025 | 5.55% | 2.72% | 3.05% | 5.65% | 3.71% |
| Q4 2025 | 5.51% | 2.74% | 2.99% | 5.63% | 3.78% |
| Q1 2026 | 5.44% | 2.64% | 2.97% | 5.61% | 3.97% |
| Q2 2026 | 5.50% | 2.71% | 3.00% | 5.67% | 4.61% |
The First Bank of Greenwich yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank of Greenwich, 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 The First Bank of Greenwich profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58307) · FFIEC NIC profile (RSSD 3466988)