JPMorgan Chase Bank, 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.
Total interest expense rose 5.2% from Q1 2026 to Q2 2026, ending at $17.30B against $16.45B. It was the largest change among the key lines on this page. Within Ohio, JPMorgan Chase Bank, N.A. is 138th of 156 on net interest margin, 2.71% as of Q2 2026, below the middle of the field. JPMorgan Chase Bank, N.A. reported 2.71% on net interest margin for Q2 2026, 0.17 points below the 2.88% median for banks in the >= $250B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.55% |
| Yield on loans | 6.41% |
| Yield on securities | 3.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 4.14% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.71% |
| Yield to cost spread | 1.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $24.67B |
| Total interest expense | $17.30B |
| Interest expense on deposits | $8.22B |
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 | 5.15% | 1.95% | 3.09% | 6.86% | 3.20% |
| Q4 2023 | 5.40% | 2.13% | 3.15% | 7.03% | 3.50% |
| Q1 2024 | 5.31% | 2.18% | 2.99% | 7.00% | 3.59% |
| Q2 2024 | 5.29% | 2.23% | 2.93% | 6.98% | 3.71% |
| Q3 2024 | 5.36% | 2.29% | 2.97% | 7.10% | 3.96% |
| Q4 2024 | 5.15% | 2.11% | 2.95% | 6.89% | 3.86% |
| Q1 2025 | 4.94% | 1.95% | 2.92% | 6.69% | 3.78% |
| Q2 2025 | 4.84% | 1.97% | 2.81% | 6.68% | 3.82% |
| Q3 2025 | 4.89% | 1.99% | 2.85% | 6.78% | 3.89% |
| Q4 2025 | 4.81% | 1.89% | 2.87% | 6.65% | 3.78% |
| Q1 2026 | 4.62% | 1.78% | 2.80% | 6.44% | 3.64% |
| Q2 2026 | 4.55% | 1.80% | 2.71% | 6.41% | 3.71% |
JPMorgan Chase Bank, 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 JPMorgan Chase Bank, 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 JPMorgan Chase Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 628) · FFIEC NIC profile (RSSD 852218)