Global 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 rose 4.7% to $2.0M. Within New York, Global Bank is 70th of 105 on net interest margin, 3.30% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Global Bank sits 0.65 points lower, at 3.30% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.11% |
| Yield on loans | 6.42% |
| Yield on securities | 4.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.08% |
| Cost of interest-bearing deposits | 3.63% |
| Cost of interest-bearing liabilities | 3.62% |
| Cost of borrowings | 3.12% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.30% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.6M |
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 | 6.70% | 3.78% | 3.38% | 6.82% | 3.69% |
| Q4 2023 | 7.03% | 4.24% | 3.34% | 7.20% | 3.19% |
| Q1 2024 | 7.23% | 4.54% | 3.31% | 7.39% | 4.95% |
| Q2 2024 | 6.91% | 4.36% | 3.15% | 7.29% | 3.32% |
| Q3 2024 | 6.99% | 4.45% | 3.22% | 7.23% | 4.83% |
| Q4 2024 | 6.99% | 4.17% | 3.33% | 7.49% | 4.50% |
| Q1 2025 | 6.70% | 3.73% | 3.42% | 7.08% | 4.82% |
| Q2 2025 | 7.68% | 3.59% | 4.54% | 8.10% | 4.67% |
| Q3 2025 | 6.83% | 3.54% | 3.71% | 7.30% | 4.71% |
| Q4 2025 | 5.97% | 3.38% | 2.95% | 6.27% | 4.24% |
| Q1 2026 | 6.29% | 3.24% | 3.38% | 6.70% | 4.45% |
| Q2 2026 | 6.11% | 3.08% | 3.30% | 6.42% | 4.55% |
Global 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 Global 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 Global Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58263) · FFIEC NIC profile (RSSD 3561771)