Metropolitan Commercial 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.0% to $50.2M. Within New York, Metropolitan Commercial Bank is 27th of 105 on net interest margin, 4.09% as of Q2 2026, above the middle of the field. Metropolitan Commercial Bank reported 4.09% on net interest margin for Q2 2026, 0.38 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.35% |
| Yield on loans | 6.99% |
| Yield on securities | 2.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.54% |
| Cost of interest-bearing deposits | 3.25% |
| Cost of interest-bearing liabilities | 3.25% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $125.6M |
| Total interest expense | $50.2M |
| Interest expense on deposits | $50.2M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.07% | 2.85% | 3.34% | 6.91% | 1.84% |
| Q4 2023 | 6.27% | 3.11% | 3.42% | 7.13% | 1.85% |
| Q1 2024 | 6.35% | 2.94% | 3.40% | 7.22% | 2.01% |
| Q2 2024 | 6.44% | 2.94% | 3.44% | 7.24% | 2.12% |
| Q3 2024 | 6.73% | 3.38% | 3.66% | 7.59% | 2.12% |
| Q4 2024 | 6.63% | 3.25% | 3.70% | 7.48% | 2.12% |
| Q1 2025 | 6.44% | 3.09% | 3.65% | 7.17% | 2.18% |
| Q2 2025 | 6.61% | 3.00% | 3.85% | 7.33% | 2.32% |
| Q3 2025 | 6.69% | 3.01% | 3.93% | 7.38% | 2.43% |
| Q4 2025 | 6.67% | 2.76% | 4.15% | 7.50% | 2.58% |
| Q1 2026 | 6.33% | 2.52% | 4.05% | 7.08% | 2.62% |
| Q2 2026 | 6.35% | 2.54% | 4.09% | 6.99% | 2.87% |
Metropolitan Commercial 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 Metropolitan Commercial 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 Metropolitan Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34699) · FFIEC NIC profile (RSSD 2705895)