Israel Discount Bank of New York: 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 Cost of borrowings: 3.41 percentage points lower than in Q1 2026, at 3.99%. Israel Discount Bank of New York ranks 83rd of 105 New York banks on net interest margin, in the lower half at 2.94% (Q2 2026). The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Israel Discount Bank of New York sits 0.66 points lower, at 2.94% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 6.33% |
| Yield on securities | 3.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.93% |
| Cost of interest-bearing deposits | 3.29% |
| Cost of interest-bearing liabilities | 3.27% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.94% |
| Yield to cost spread | 2.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $155.3M |
| Total interest expense | $88.8M |
| Interest expense on deposits | $87.8M |
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 | 6.26% | 3.93% | 2.80% | 7.68% | 3.05% |
| Q4 2023 | 6.34% | 4.18% | 2.69% | 7.81% | 3.19% |
| Q1 2024 | 6.51% | 4.19% | 2.83% | 7.83% | 3.44% |
| Q2 2024 | 6.46% | 4.26% | 2.71% | 7.74% | 3.41% |
| Q3 2024 | 6.57% | 4.32% | 2.74% | 7.81% | 3.45% |
| Q4 2024 | 6.20% | 3.94% | 2.69% | 7.31% | 3.37% |
| Q1 2025 | 5.96% | 3.60% | 2.74% | 6.97% | 3.27% |
| Q2 2025 | 5.96% | 3.60% | 2.72% | 6.90% | 3.48% |
| Q3 2025 | 6.05% | 3.63% | 2.81% | 6.96% | 3.57% |
| Q4 2025 | 5.89% | 3.44% | 2.93% | 6.74% | 3.57% |
| Q1 2026 | 5.45% | 2.96% | 2.82% | 6.21% | 3.56% |
| Q2 2026 | 5.55% | 2.93% | 2.94% | 6.33% | 3.58% |
Israel Discount Bank of New York yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Israel Discount Bank of New York, 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 Israel Discount Bank of New York profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19977) · FFIEC NIC profile (RSSD 320119)