Habib American 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 $22.0M. Within New York, Habib American Bank is 94th of 105 on net interest margin, 2.27% as of Q2 2026, below the middle of the field. Habib American Bank reported 2.27% on net interest margin for Q2 2026, 1.44 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.33% |
| Yield on loans | 6.18% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.32% |
| Cost of interest-bearing deposits | 3.87% |
| Cost of interest-bearing liabilities | 3.90% |
| Cost of borrowings | 4.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.27% |
| Yield to cost spread | 1.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.3M |
| Total interest expense | $22.0M |
| Interest expense on deposits | $15.9M |
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 | 4.98% | 3.07% | 1.77% | 5.36% | 1.74% |
| Q4 2023 | 5.08% | 3.55% | 1.68% | 5.49% | 2.10% |
| Q1 2024 | 5.11% | 3.65% | 1.58% | 5.55% | 2.11% |
| Q2 2024 | 5.19% | 3.79% | 1.49% | 5.68% | 2.14% |
| Q3 2024 | 5.37% | 4.32% | 1.36% | 5.87% | 2.17% |
| Q4 2024 | 5.25% | 3.86% | 1.66% | 5.90% | 2.27% |
| Q1 2025 | 5.12% | 3.65% | 1.78% | 5.89% | 2.29% |
| Q2 2025 | 5.20% | 3.71% | 1.79% | 6.04% | 2.47% |
| Q3 2025 | 5.32% | 3.68% | 1.91% | 6.12% | 2.77% |
| Q4 2025 | 5.28% | 3.53% | 2.03% | 6.08% | 3.03% |
| Q1 2026 | 5.29% | 3.34% | 2.23% | 6.13% | 3.19% |
| Q2 2026 | 5.33% | 3.32% | 2.27% | 6.18% | 3.52% |
Habib American 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 Habib American 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 Habib American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25093) · FFIEC NIC profile (RSSD 245016)