Interaudi 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 0.15 percentage points in Q2 2026 to 3.16%, the biggest move on this page. Interaudi Bank ranks 78th of 105 New York banks on net interest margin, in the lower half at 3.16% (Q2 2026). Interaudi Bank reported 3.16% on net interest margin for Q2 2026, 0.55 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.08% |
| Yield on loans | 5.83% |
| Yield on securities | 3.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 3.16% |
| Cost of interest-bearing liabilities | 3.29% |
| Cost of borrowings | 10.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 1.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $23.5M |
| Total interest expense | $12.8M |
| Interest expense on deposits | $12.0M |
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 | 4.95% | 1.89% | 3.22% | 5.72% | 3.42% |
| Q4 2023 | 5.06% | 2.22% | 3.04% | 5.76% | 3.50% |
| Q1 2024 | 5.13% | 2.50% | 2.87% | 5.72% | 3.65% |
| Q2 2024 | 5.25% | 2.72% | 2.83% | 5.80% | 3.86% |
| Q3 2024 | 5.42% | 2.83% | 2.85% | 5.98% | 3.88% |
| Q4 2024 | 5.21% | 2.79% | 2.67% | 5.76% | 4.00% |
| Q1 2025 | 5.23% | 2.60% | 2.88% | 5.86% | 3.95% |
| Q2 2025 | 5.34% | 2.51% | 3.06% | 5.91% | 4.07% |
| Q3 2025 | 5.42% | 2.57% | 3.10% | 6.03% | 4.26% |
| Q4 2025 | 5.20% | 2.44% | 2.99% | 5.87% | 4.24% |
| Q1 2026 | 5.00% | 2.18% | 3.01% | 5.73% | 3.97% |
| Q2 2026 | 5.08% | 2.15% | 3.16% | 5.83% | 3.97% |
Interaudi 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 Interaudi 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 Interaudi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24516) · FFIEC NIC profile (RSSD 538802)