The Millyard 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.
Compared with Q1 2026, Total interest expense rose 6.8% in Q2 2026 to $2.2M, the biggest move on this page. Within New Hampshire, The Millyard Bank is 12th of 16 on net interest margin, 3.05% as of Q2 2026, below the middle of the field. The Millyard Bank reported 3.05% on net interest margin for Q2 2026, 0.90 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.83% |
| Yield on loans | 6.27% |
| Yield on securities | 3.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.03% |
| Cost of interest-bearing deposits | 3.29% |
| Cost of interest-bearing liabilities | 3.44% |
| Cost of borrowings | 4.05% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.05% |
| Yield to cost spread | 2.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $1.9M |
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 | 4.80% | 2.99% | 2.09% | 5.05% | 2.74% |
| Q4 2023 | 5.07% | 3.34% | 2.11% | 5.31% | 3.12% |
| Q1 2024 | 5.03% | 3.20% | 2.22% | 5.26% | 3.38% |
| Q2 2024 | 5.23% | 3.16% | 2.42% | 5.61% | 3.69% |
| Q3 2024 | 5.45% | 3.15% | 2.63% | 5.88% | 3.58% |
| Q4 2024 | 5.49% | 2.98% | 2.83% | 5.89% | 3.53% |
| Q1 2025 | 5.34% | 2.86% | 2.76% | 5.81% | 3.47% |
| Q2 2025 | 5.54% | 3.02% | 2.73% | 6.02% | 3.43% |
| Q3 2025 | 5.79% | 3.20% | 2.83% | 6.32% | 3.68% |
| Q4 2025 | 5.88% | 3.09% | 3.05% | 6.40% | 3.81% |
| Q1 2026 | 5.80% | 2.95% | 3.07% | 6.27% | 3.74% |
| Q2 2026 | 5.83% | 3.03% | 3.05% | 6.27% | 3.77% |
The Millyard 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 The Millyard 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 The Millyard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59176) · FFIEC NIC profile (RSSD 5448915)