Modern Bank, N.A.: 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, Net interest margin rose 0.15 percentage points in Q2 2026 to 2.64%, the biggest move on this page. Modern Bank, N.A. ranks 86th of 105 New York banks on net interest margin, in the lower half at 2.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Modern Bank, N.A. sits 1.31 points lower, at 2.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 6.17% |
| Yield on securities | 3.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.14% |
| Cost of interest-bearing deposits | 3.63% |
| Cost of interest-bearing liabilities | 3.75% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.64% |
| Yield to cost spread | 1.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.7M |
| Total interest expense | $4.8M |
| Interest expense on deposits | $3.8M |
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 | 6.83% | 4.10% | 3.15% | 7.46% | 2.76% |
| Q4 2023 | 7.04% | 4.49% | 2.88% | 7.81% | 4.14% |
| Q1 2024 | 6.78% | 4.52% | 2.61% | 7.79% | 2.82% |
| Q2 2024 | 6.73% | 4.60% | 2.56% | 7.52% | 2.85% |
| Q3 2024 | 6.66% | 4.44% | 2.73% | 7.49% | 2.94% |
| Q4 2024 | 6.28% | 3.96% | 2.68% | 7.21% | 3.05% |
| Q1 2025 | 5.61% | 3.48% | 2.24% | 6.31% | 3.37% |
| Q2 2025 | 5.60% | 3.68% | 2.28% | 6.33% | 3.35% |
| Q3 2025 | 5.86% | 3.49% | 2.74% | 6.58% | 3.34% |
| Q4 2025 | 5.41% | 3.42% | 2.44% | 5.98% | 3.31% |
| Q1 2026 | 5.44% | 3.20% | 2.49% | 6.07% | 3.41% |
| Q2 2026 | 5.55% | 3.14% | 2.64% | 6.17% | 3.33% |
Modern Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Modern Bank, N.A., 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 Modern Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22398) · FFIEC NIC profile (RSSD 2398701)