NBT 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.
In Q2 2026, Cost of borrowings edged up by 0.20 percentage points, from 2.99% to 3.18%, the largest move among the key lines here. NBT Bank, N.A. ranks 42nd of 105 New York banks on net interest margin, in the upper half at 3.77% (Q2 2026). NBT Bank, N.A. reported 3.77% on net interest margin for Q2 2026, 0.17 points above the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.03% |
| Yield on loans | 5.62% |
| Yield on securities | 2.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.31% |
| Cost of interest-bearing deposits | 1.43% |
| Cost of interest-bearing liabilities | 1.45% |
| Cost of borrowings | 3.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.77% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $163.8M |
| Total interest expense | $46.5M |
| Interest expense on deposits | $44.9M |
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 | 4.66% | 1.53% | 3.35% | 5.40% | 2.02% |
| Q4 2023 | 4.82% | 1.83% | 3.29% | 5.50% | 2.03% |
| Q1 2024 | 4.80% | 1.88% | 3.24% | 5.51% | 2.03% |
| Q2 2024 | 4.89% | 1.89% | 3.28% | 5.60% | 2.08% |
| Q3 2024 | 5.03% | 1.84% | 3.40% | 5.76% | 2.12% |
| Q4 2024 | 4.98% | 1.71% | 3.47% | 5.67% | 2.21% |
| Q1 2025 | 4.88% | 1.45% | 3.50% | 5.54% | 2.36% |
| Q2 2025 | 5.10% | 1.49% | 3.68% | 5.75% | 2.48% |
| Q3 2025 | 5.21% | 1.52% | 3.75% | 5.84% | 2.54% |
| Q4 2025 | 5.11% | 1.44% | 3.74% | 5.75% | 2.62% |
| Q1 2026 | 4.98% | 1.31% | 3.73% | 5.58% | 2.64% |
| Q2 2026 | 5.03% | 1.31% | 3.77% | 5.62% | 2.74% |
NBT 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 NBT 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 NBT Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7230) · FFIEC NIC profile (RSSD 702117)