Industrial and Commercial Bank of China (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 standout move of Q2 2026 was in Net interest margin: 0.39 percentage points higher than in Q1 2026, at 3.35%. Within New York, Industrial and Commercial Bank of China (USA), N.A. is 65th of 105 on net interest margin, 3.35% as of Q2 2026, below the middle of the field. Industrial and Commercial Bank of China (USA), N.A. reported 3.35% on net interest margin for Q2 2026, 0.36 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 5.62% |
| Yield on securities | 2.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.71% |
| Cost of interest-bearing deposits | 3.33% |
| Cost of interest-bearing liabilities | 3.33% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.35% |
| Yield to cost spread | 2.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $38.1M |
| Total interest expense | $15.7M |
| Interest expense on deposits | $15.5M |
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 | 6.41% | 3.14% | 3.69% | 6.48% | 2.45% |
| Q4 2023 | 6.65% | 3.51% | 3.50% | 6.70% | 2.47% |
| Q1 2024 | 6.55% | 3.64% | 3.31% | 6.61% | 2.45% |
| Q2 2024 | 6.44% | 3.71% | 3.37% | 6.49% | 2.43% |
| Q3 2024 | 6.12% | 3.78% | 3.00% | 6.18% | 2.47% |
| Q4 2024 | 5.87% | 3.64% | 2.85% | 5.89% | 2.25% |
| Q1 2025 | 5.56% | 3.23% | 2.91% | 5.61% | 2.46% |
| Q2 2025 | 5.53% | 3.21% | 2.88% | 5.56% | 2.44% |
| Q3 2025 | 5.63% | 3.23% | 3.05% | 5.70% | 2.48% |
| Q4 2025 | 5.44% | 3.07% | 2.96% | 5.47% | 2.46% |
| Q1 2026 | 5.29% | 2.84% | 2.96% | 5.39% | 2.49% |
| Q2 2026 | 5.55% | 2.71% | 3.35% | 5.62% | 2.46% |
Industrial and Commercial Bank of China (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 Industrial and Commercial Bank of China (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 Industrial and Commercial Bank of China (USA), N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24387) · FFIEC NIC profile (RSSD 1015560)