The First National Bank of Groton: 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 biggest quarter-over-quarter change on this page was a small one: Yield on loans edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 6.67%. Within New York, The First National Bank of Groton is 17th of 105 on net interest margin, 4.39% as of Q2 2026, above the middle of the field. The First National Bank of Groton reported 4.39% on net interest margin for Q2 2026, 0.44 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.98% |
| Yield on loans | 6.67% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.69% |
| Cost of interest-bearing deposits | 0.97% |
| Cost of interest-bearing liabilities | 0.98% |
| Cost of borrowings | 33.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 4.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $312K |
| Interest expense on deposits | $307K |
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 | 3.96% | 0.42% | 3.60% | 6.15% | 2.05% |
| Q4 2023 | 4.13% | 0.56% | 3.64% | 6.31% | 2.13% |
| Q1 2024 | 4.08% | 0.59% | 3.57% | 6.27% | 2.10% |
| Q2 2024 | 4.14% | 0.68% | 3.56% | 6.35% | 2.09% |
| Q3 2024 | 4.17% | 0.82% | 3.45% | 6.48% | 1.78% |
| Q4 2024 | 4.74% | 0.69% | 4.13% | 6.57% | 2.78% |
| Q1 2025 | 4.84% | 0.64% | 4.27% | 6.55% | 2.96% |
| Q2 2025 | 4.93% | 0.64% | 4.36% | 6.60% | 3.06% |
| Q3 2025 | 5.04% | 0.65% | 4.48% | 6.71% | 3.13% |
| Q4 2025 | 5.07% | 0.68% | 4.48% | 6.78% | 3.14% |
| Q1 2026 | 4.95% | 0.67% | 4.37% | 6.57% | 3.13% |
| Q2 2026 | 4.98% | 0.69% | 4.39% | 6.67% | 3.19% |
The First National Bank of Groton 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 Groton, 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 Groton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7085) · FFIEC NIC profile (RSSD 917500)