The First National Bank of Dryden: 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.
In Q2 2026, Net interest margin edged up by 0.07 percentage points, from 4.43% to 4.50%, the largest move among the key lines here. Within New York, The First National Bank of Dryden is 13th of 105 on net interest margin, 4.50% as of Q2 2026, above the middle of the field. The First National Bank of Dryden reported 4.50% on net interest margin for Q2 2026, 0.55 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.76% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.28% |
| Cost of interest-bearing deposits | 0.46% |
| Cost of interest-bearing liabilities | 0.46% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.50% |
| Yield to cost spread | 4.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $129K |
| Interest expense on deposits | $129K |
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 | 3.82% | 0.21% | 3.62% |
| Q4 2023 | 4.01% | 0.21% | 3.81% |
| Q1 2024 | 4.06% | 0.22% | 3.86% |
| Q2 2024 | 4.21% | 0.22% | 4.01% |
| Q3 2024 | 4.52% | 0.22% | 4.32% |
| Q4 2024 | 4.64% | 0.22% | 4.44% |
| Q1 2025 | 4.41% | 0.21% | 4.22% |
| Q2 2025 | 4.55% | 0.21% | 4.35% |
| Q3 2025 | 4.70% | 0.23% | 4.48% |
| Q4 2025 | 4.79% | 0.29% | 4.52% |
| Q1 2026 | 4.68% | 0.28% | 4.43% |
| Q2 2026 | 4.76% | 0.28% | 4.50% |
The First National Bank of Dryden 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 National Bank of Dryden, 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 National Bank of Dryden profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7031) · FFIEC NIC profile (RSSD 241009)