GS&L Municipal 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.
Compared with Q1 2026, Net interest margin rose 0.16 percentage points in Q2 2026 to 5.05%, the biggest move on this page. On net interest margin, GS&L Municipal Bank ranks 6th highest among the 105 banks headquartered in New York, at 5.05% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. GS&L Municipal Bank sits 1.16 points higher, at 5.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.76% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.73% |
| Cost of interest-bearing deposits | 0.70% |
| Cost of interest-bearing liabilities | 0.70% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.05% |
| Yield to cost spread | 5.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $32K |
| Interest expense on deposits | $32K |
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 |
|---|---|---|---|
| Q3 2023 | 4.30% | 0.17% | 4.19% |
| Q4 2023 | 4.28% | 0.39% | 4.01% |
| Q1 2024 | 4.87% | 0.50% | 4.42% |
| Q2 2024 | 4.09% | 0.66% | 3.59% |
| Q3 2024 | 4.36% | 0.69% | 3.76% |
| Q4 2024 | 4.22% | 0.67% | 3.62% |
| Q1 2025 | 5.13% | 0.60% | 4.52% |
| Q2 2025 | 5.36% | 0.70% | 4.65% |
| Q3 2025 | 5.37% | 0.70% | 4.71% |
| Q4 2025 | 5.50% | 0.61% | 4.86% |
| Q1 2026 | 5.55% | 0.63% | 4.89% |
| Q2 2026 | 5.76% | 0.73% | 5.05% |
GS&L Municipal 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 GS&L Municipal 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 GS&L Municipal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59312) · FFIEC NIC profile (RSSD 5784921)