Manasquan 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.
In Q2 2026, Total interest expense edged up by 2.4%, from $17.3M to $17.7M, the largest move among the key lines here. Manasquan Bank ranks 24th of 49 New Jersey banks on net interest margin, in the upper half at 3.22% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Manasquan Bank sits 0.49 points lower, at 3.22% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 5.60% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.38% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | 4.54% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $41.2M |
| Total interest expense | $17.7M |
| Interest expense on deposits | $16.5M |
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 | 4.70% | 1.95% | 2.94% | 4.87% | 3.32% |
| Q4 2023 | 4.91% | 2.35% | 2.84% | 5.04% | 2.96% |
| Q1 2024 | 4.92% | 2.53% | 2.69% | 5.09% | 2.98% |
| Q2 2024 | 4.98% | 2.63% | 2.69% | 5.18% | 3.04% |
| Q3 2024 | 5.14% | 2.75% | 2.75% | 5.30% | 3.08% |
| Q4 2024 | 5.10% | 2.71% | 2.74% | 5.30% | 3.01% |
| Q1 2025 | 5.00% | 2.54% | 2.78% | 5.32% | 3.08% |
| Q2 2025 | 5.14% | 2.44% | 3.00% | 5.41% | 3.10% |
| Q3 2025 | 5.34% | 2.54% | 3.12% | 5.53% | 3.14% |
| Q4 2025 | 5.32% | 2.51% | 3.13% | 5.56% | 3.21% |
| Q1 2026 | 5.20% | 2.43% | 3.12% | 5.48% | 3.17% |
| Q2 2026 | 5.29% | 2.38% | 3.22% | 5.60% | 3.40% |
Manasquan 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 Manasquan 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 Manasquan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30470) · FFIEC NIC profile (RSSD 459671)