Five Rivers Bank: 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 Net interest margin: 0.78 percentage points lower than in Q1 2026, at 2.49%. Five Rivers Bank ranks 40th of 49 New Jersey banks on net interest margin, in the lower half at 2.49% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Five Rivers Bank sits 1.38 points lower, at 2.49% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.28% |
| Yield on loans | 6.76% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.51% |
| Cost of interest-bearing deposits | 2.64% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.49% |
| Yield to cost spread | 1.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $159K |
| Total interest expense | $173K |
| Interest expense on deposits | $173K |
Yields and Funding Costs trend
Last 5 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 |
|---|---|---|---|---|
| Q2 2025 | — | — | — | — |
| Q3 2025 | 4.35% | 0.00% | 4.35% | — |
| Q4 2025 | 3.93% | 2.53% | 3.78% | 5.84% |
| Q1 2026 | 3.83% | 2.94% | 3.27% | 6.43% |
| Q2 2026 | 4.28% | 3.51% | 2.49% | 6.76% |
Five Rivers Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Five Rivers Bank, 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 Five Rivers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59345) · FFIEC NIC profile (RSSD 5882500)