Leader 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.
Compared with Q1 2026, Net interest margin rose 0.34 percentage points in Q2 2026 to 2.69%, the biggest move on this page. Within Massachusetts, Leader Bank, N.A. is 68th of 89 on net interest margin, 2.69% as of Q2 2026, below the middle of the field. Leader Bank, N.A. reported 2.69% on net interest margin for Q2 2026, 1.02 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.03% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.72% |
| Cost of interest-bearing deposits | 3.04% |
| Cost of interest-bearing liabilities | 2.95% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.69% |
| Yield to cost spread | 2.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $58.6M |
| Total interest expense | $29.5M |
| Interest expense on deposits | $27.2M |
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 |
|---|---|---|---|
| Q3 2023 | 4.63% | 2.83% | 1.94% |
| Q4 2023 | 4.81% | 3.22% | 1.79% |
| Q1 2024 | 4.71% | 3.44% | 1.68% |
| Q2 2024 | 5.03% | 3.50% | 1.88% |
| Q3 2024 | 5.13% | 3.53% | 1.99% |
| Q4 2024 | 4.98% | 3.26% | 2.02% |
| Q1 2025 | 4.83% | 2.96% | 2.07% |
| Q2 2025 | 4.95% | 3.12% | 2.19% |
| Q3 2025 | 5.01% | 3.13% | 2.26% |
| Q4 2025 | 5.02% | 3.04% | 2.37% |
| Q1 2026 | 4.75% | 2.82% | 2.35% |
| Q2 2026 | 5.03% | 2.72% | 2.69% |
Leader 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 Leader 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 Leader Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57134) · FFIEC NIC profile (RSSD 3109146)