Mizuho Bank (USA): 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.
Yield to cost spread dropped 1.26 percentage points in Q2 2026, from 0.26% to -1.00%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, Mizuho Bank (USA) is 6th from the bottom among 105 New York banks, 1.85% (Q2 2026). Mizuho Bank (USA)'s net interest margin of 1.85% is well below the 3.71% median for banks in the $1B-10B asset tier, a gap of 1.86 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.85% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.51% |
| Cost of interest-bearing deposits | 4.85% |
| Cost of interest-bearing liabilities | 4.85% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.85% |
| Yield to cost spread | -1.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $19.7M |
| Interest expense on deposits | $19.7M |
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 | 5.86% | 3.43% | 2.68% |
| Q4 2023 | 6.08% | 3.28% | 2.97% |
| Q1 2024 | 5.87% | 2.96% | 3.13% |
| Q2 2024 | 6.00% | 2.88% | 3.22% |
| Q3 2024 | 5.91% | 2.89% | 3.02% |
| Q4 2024 | 5.25% | 4.68% | 1.97% |
| Q1 2025 | 4.85% | 3.52% | 2.14% |
| Q2 2025 | 4.84% | 3.48% | 2.21% |
| Q3 2025 | 4.90% | 3.50% | 2.18% |
| Q4 2025 | 4.47% | 3.37% | 2.12% |
| Q1 2026 | 3.97% | 2.99% | 1.97% |
| Q2 2026 | 3.85% | 2.51% | 1.85% |
Mizuho Bank (USA) yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mizuho Bank (USA), 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 Mizuho Bank (USA) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21843) · FFIEC NIC profile (RSSD 229913)