NBT Financial 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 Net interest margin, which rose 0.20 percentage points to 4.50%. Within Texas, NBT Financial Bank is 110th of 345 on net interest margin, 4.50% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. NBT Financial Bank sits 0.55 points higher, at 4.50% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.43% |
| Yield on loans | 7.21% |
| Yield on securities | 1.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.09% |
| Cost of interest-bearing deposits | 2.91% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.50% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.2M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.7M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.58% | 2.09% | 4.64% | 6.84% | 1.53% |
| Q4 2023 | 6.50% | 2.24% | 4.44% | 6.74% | 1.50% |
| Q1 2024 | 6.65% | 2.41% | 4.37% | 6.93% | 1.51% |
| Q2 2024 | 7.01% | 2.42% | 4.77% | 7.37% | 2.21% |
| Q3 2024 | 7.12% | 2.43% | 4.85% | 7.45% | 2.03% |
| Q4 2024 | 6.73% | 2.37% | 4.54% | 7.03% | 1.55% |
| Q1 2025 | 6.75% | 2.30% | 4.61% | 7.00% | 1.85% |
| Q2 2025 | 6.77% | 2.45% | 4.50% | 7.15% | 1.85% |
| Q3 2025 | 6.95% | 2.50% | 4.64% | 7.37% | 2.66% |
| Q4 2025 | 6.44% | 2.44% | 4.20% | 7.11% | 1.80% |
| Q1 2026 | 6.30% | 2.16% | 4.30% | 7.01% | 1.84% |
| Q2 2026 | 6.43% | 2.09% | 4.50% | 7.21% | 1.66% |
NBT Financial 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 NBT Financial 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 NBT Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21329) · FFIEC NIC profile (RSSD 406059)