Genesee Regional 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 4.9% to $6.7M. Genesee Regional Bank ranks 68th of 105 New York banks on net interest margin, in the lower half at 3.31% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Genesee Regional Bank sits 0.40 points lower, at 3.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.52% |
| Yield on loans | 6.36% |
| Yield on securities | 2.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.40% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.74% |
| Cost of borrowings | 3.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 2.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.5M |
| Total interest expense | $6.7M |
| Interest expense on deposits | $6.1M |
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 | 5.03% | 3.09% | 2.26% | 5.96% | 2.06% |
| Q4 2023 | 5.24% | 3.18% | 2.33% | 6.16% | 2.01% |
| Q1 2024 | 5.31% | 3.20% | 2.38% | 6.32% | 2.02% |
| Q2 2024 | 5.44% | 3.40% | 2.29% | 6.31% | 2.10% |
| Q3 2024 | 5.73% | 3.38% | 2.59% | 6.63% | 2.15% |
| Q4 2024 | 5.65% | 3.14% | 2.71% | 6.49% | 2.28% |
| Q1 2025 | 5.59% | 2.93% | 2.84% | 6.39% | 2.34% |
| Q2 2025 | 5.61% | 2.87% | 2.93% | 6.46% | 2.44% |
| Q3 2025 | 5.73% | 2.80% | 3.14% | 6.56% | 2.60% |
| Q4 2025 | 5.62% | 2.71% | 3.14% | 6.41% | 2.79% |
| Q1 2026 | 5.49% | 2.54% | 3.17% | 6.29% | 2.83% |
| Q2 2026 | 5.52% | 2.40% | 3.31% | 6.36% | 2.86% |
Genesee Regional 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 Genesee Regional 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 Genesee Regional Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26333) · FFIEC NIC profile (RSSD 852704)