New Haven 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.23 percentage points between Q1 2026 and Q2 2026, to 3.95%. New Haven Bank ranks 18th of 27 Connecticut banks on net interest margin, in the lower half at 3.22% (Q2 2026). New Haven Bank reported 3.22% on net interest margin for Q2 2026, 0.73 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.51% |
| Yield on loans | 5.77% |
| Yield on securities | 3.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.47% |
| Cost of interest-bearing deposits | 2.69% |
| Cost of interest-bearing liabilities | 2.91% |
| Cost of borrowings | 4.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $856K |
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 | 4.73% | 2.31% | 2.62% | 4.75% | 2.12% |
| Q4 2023 | 4.87% | 2.60% | 2.51% | 4.88% | 2.10% |
| Q1 2024 | 4.98% | 2.74% | 2.49% | 4.99% | 2.06% |
| Q2 2024 | 5.12% | 2.92% | 2.46% | 5.17% | 1.99% |
| Q3 2024 | 5.24% | 3.09% | 2.40% | 5.29% | 2.01% |
| Q4 2024 | 5.27% | 3.05% | 2.45% | 5.39% | 2.05% |
| Q1 2025 | 5.22% | 2.92% | 2.50% | 5.36% | 2.90% |
| Q2 2025 | 5.29% | 2.84% | 2.63% | 5.43% | 3.13% |
| Q3 2025 | 5.48% | 2.71% | 2.96% | 5.64% | 3.50% |
| Q4 2025 | 5.51% | 2.50% | 3.10% | 5.71% | 3.59% |
| Q1 2026 | 5.43% | 2.44% | 3.15% | 5.66% | 3.72% |
| Q2 2026 | 5.51% | 2.47% | 3.22% | 5.77% | 3.95% |
New Haven 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 New Haven 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 New Haven Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58952) · FFIEC NIC profile (RSSD 3843392)