Hana Bank USA, N.A.: 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.3% between Q1 2026 and Q2 2026, to $4.4M. Within New Jersey, Hana Bank USA, N.A. is 31st of 49 on net interest margin, 3.07% 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. Hana Bank USA, N.A. sits 0.88 points lower, at 3.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 5.71% |
| Yield on securities | 4.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.89% |
| Cost of interest-bearing deposits | 3.60% |
| Cost of interest-bearing liabilities | 3.60% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 1.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.3M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $4.4M |
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 | 5.09% | 2.02% | 3.54% | 5.10% | 4.13% |
| Q4 2023 | 5.13% | 2.02% | 3.55% | 5.13% | 4.22% |
| Q1 2024 | 5.22% | 2.20% | 3.55% | 5.35% | 4.21% |
| Q2 2024 | 5.34% | 2.73% | 3.24% | 5.48% | 4.23% |
| Q3 2024 | 5.39% | 3.08% | 2.93% | 5.54% | 4.24% |
| Q4 2024 | 5.31% | 3.08% | 2.82% | 5.57% | 4.51% |
| Q1 2025 | 5.22% | 2.84% | 2.78% | 5.53% | 4.68% |
| Q2 2025 | 5.44% | 2.88% | 2.92% | 5.76% | 4.82% |
| Q3 2025 | 5.58% | 3.17% | 2.84% | 6.00% | 4.89% |
| Q4 2025 | 5.30% | 3.00% | 2.82% | 5.89% | 4.61% |
| Q1 2026 | 5.02% | 2.82% | 2.96% | 5.68% | 4.61% |
| Q2 2026 | 5.16% | 2.89% | 3.07% | 5.71% | 4.76% |
Hana Bank USA, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hana Bank USA, N.A., 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 Hana Bank USA, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26790) · FFIEC NIC profile (RSSD 609609)