Manufacturers and Traders Trust Company: 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.6% to $759.0M. Manufacturers and Traders Trust Company ranks 36th of 105 New York banks on net interest margin, in the upper half at 3.84% (Q2 2026). Manufacturers and Traders Trust Company reported 3.84% on net interest margin for Q2 2026, 0.41 points above the 3.43% median for banks in the $100B-250B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | 4.30% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.03B |
| Total interest expense | $759.0M |
| Interest expense on deposits | $580.0M |
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 | 5.65% | 1.54% | 3.89% |
| Q4 2023 | 5.77% | 1.80% | 3.74% |
| Q1 2024 | 5.71% | 1.86% | 3.63% |
| Q2 2024 | 5.79% | 1.90% | 3.67% |
| Q3 2024 | 5.85% | 1.91% | 3.73% |
| Q4 2024 | 5.63% | 1.76% | 3.70% |
| Q1 2025 | 5.44% | 1.81% | 3.73% |
| Q2 2025 | 5.49% | 1.85% | 3.74% |
| Q3 2025 | 5.64% | 1.88% | 3.86% |
| Q4 2025 | 5.51% | 1.74% | 3.86% |
| Q1 2026 | 5.29% | 1.58% | 3.80% |
| Q2 2026 | 5.39% | 1.62% | 3.84% |
Manufacturers and Traders Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Manufacturers and Traders Trust Company, 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 Manufacturers and Traders Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 588) · FFIEC NIC profile (RSSD 501105)