Five Star 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.
In Q2 2026, Total interest expense edged up by 1.3%, from $28.0M to $28.3M, the largest move among the key lines here. Within New York, Five Star Bank is 38th of 105 on net interest margin, 3.78% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Five Star Bank reported 3.78% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.72% |
| Yield on loans | 6.05% |
| Yield on securities | 4.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 2.61% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 3.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $70.8M |
| Total interest expense | $28.3M |
| Interest expense on deposits | $27.5M |
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 | 5.22% | 2.06% | 3.01% | 6.20% | 1.88% |
| Q4 2023 | 5.32% | 2.27% | 2.87% | 6.26% | 2.03% |
| Q1 2024 | 5.38% | 2.37% | 2.84% | 6.31% | 2.09% |
| Q2 2024 | 5.44% | 2.35% | 2.93% | 6.38% | 2.17% |
| Q3 2024 | 5.53% | 2.36% | 2.98% | 6.46% | 2.15% |
| Q4 2024 | 5.41% | 2.26% | 2.96% | 6.30% | 2.28% |
| Q1 2025 | 5.71% | 2.12% | 3.39% | 6.13% | 4.25% |
| Q2 2025 | 5.84% | 2.06% | 3.55% | 6.25% | 4.34% |
| Q3 2025 | 5.94% | 1.99% | 3.73% | 6.34% | 4.45% |
| Q4 2025 | 5.87% | 1.90% | 3.74% | 6.24% | 4.48% |
| Q1 2026 | 5.68% | 1.74% | 3.74% | 5.99% | 4.48% |
| Q2 2026 | 5.72% | 1.75% | 3.78% | 6.05% | 4.46% |
Five Star 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 Star 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 Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 659) · FFIEC NIC profile (RSSD 601416)