First National Bank of Scotia: 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 Total interest expense: 10.7% higher than in Q1 2026, at $1.4M. Within New York, First National Bank of Scotia is 22nd of 105 on net interest margin, 4.29% as of Q2 2026, above the middle of the field. First National Bank of Scotia reported 4.29% on net interest margin for Q2 2026, 0.34 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | 5.83% |
| Yield on securities | 2.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.91% |
| Cost of interest-bearing deposits | 1.29% |
| Cost of interest-bearing liabilities | 1.27% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.5M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 4.46% | 0.53% | 3.96% | 4.93% | 1.41% |
| Q4 2023 | 4.73% | 0.64% | 4.10% | 5.26% | 1.38% |
| Q1 2024 | 4.77% | 0.78% | 4.00% | 5.31% | 1.38% |
| Q2 2024 | 4.81% | 0.78% | 4.05% | 5.35% | 1.43% |
| Q3 2024 | 4.89% | 0.85% | 4.08% | 5.38% | 1.50% |
| Q4 2024 | 5.05% | 0.86% | 4.23% | 5.66% | 1.53% |
| Q1 2025 | 4.83% | 0.86% | 4.01% | 5.42% | 1.52% |
| Q2 2025 | 5.00% | 0.84% | 4.20% | 5.61% | 1.61% |
| Q3 2025 | 5.12% | 0.82% | 4.34% | 5.74% | 1.71% |
| Q4 2025 | 5.08% | 0.83% | 4.29% | 5.71% | 1.83% |
| Q1 2026 | 5.08% | 0.84% | 4.28% | 5.76% | 1.90% |
| Q2 2026 | 5.15% | 0.91% | 4.29% | 5.83% | 2.08% |
First National Bank of Scotia yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Scotia, 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 First National Bank of Scotia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11501) · FFIEC NIC profile (RSSD 472616)