Ives 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.2% between Q1 2026 and Q2 2026, to $8.1M. Ives Bank ranks 11th of 27 Connecticut banks on net interest margin, in the upper half at 3.46% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Ives Bank sits 0.25 points lower, at 3.46% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | 5.62% |
| Yield on securities | 4.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.09% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.46% |
| Yield to cost spread | 2.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.0M |
| Total interest expense | $8.1M |
| Interest expense on deposits | $7.1M |
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 | 4.91% | 1.69% | 3.26% | 5.03% | 3.66% |
| Q4 2023 | 5.05% | 2.21% | 3.05% | 5.16% | 3.43% |
| Q1 2024 | 5.12% | 2.49% | 2.86% | 5.23% | 3.73% |
| Q2 2024 | 5.34% | 2.50% | 2.93% | 5.45% | 3.74% |
| Q3 2024 | 5.39% | 2.61% | 2.85% | 5.50% | 3.99% |
| Q4 2024 | 5.41% | 2.61% | 3.04% | 5.77% | 1.39% |
| Q1 2025 | 5.23% | 2.28% | 3.04% | 5.35% | 4.19% |
| Q2 2025 | 5.36% | 2.25% | 3.21% | 5.47% | 4.28% |
| Q3 2025 | 5.43% | 2.42% | 3.25% | 5.57% | 4.23% |
| Q4 2025 | 5.49% | 2.18% | 3.40% | 5.63% | 4.26% |
| Q1 2026 | 5.42% | 2.04% | 3.42% | 5.57% | 4.26% |
| Q2 2026 | 5.47% | 2.09% | 3.46% | 5.62% | 4.37% |
Ives 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 Ives 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 Ives Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15912) · FFIEC NIC profile (RSSD 626101)