New Valley Bank & Trust: 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 standout move of Q2 2026 was in Total interest expense: 12.6% higher than in Q1 2026, at $2.0M. Within Massachusetts, New Valley Bank & Trust is 77th of 89 on net interest margin, 2.55% as of Q2 2026, below the middle of the field. New Valley Bank & Trust reported 2.55% on net interest margin for Q2 2026, 1.40 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.73% |
| Yield on loans | 5.34% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.48% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 4.10% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.55% |
| Yield to cost spread | 2.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.7M |
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 | 4.69% | 2.38% | 2.60% | 5.02% | 3.06% |
| Q4 2023 | 4.76% | 2.56% | 2.58% | 5.05% | 3.17% |
| Q1 2024 | 4.76% | 2.72% | 2.45% | 5.04% | 3.21% |
| Q2 2024 | 4.98% | 2.77% | 2.62% | 5.31% | 3.34% |
| Q3 2024 | 4.98% | 2.77% | 2.69% | 5.25% | 3.30% |
| Q4 2024 | 4.96% | 2.80% | 2.63% | 5.38% | 2.96% |
| Q1 2025 | 4.85% | 2.56% | 2.66% | 5.19% | 3.36% |
| Q2 2025 | 5.29% | 2.62% | 3.09% | 5.73% | 3.13% |
| Q3 2025 | 6.48% | 2.78% | 4.14% | 7.27% | 3.40% |
| Q4 2025 | 5.21% | 2.61% | 3.04% | 5.69% | 3.27% |
| Q1 2026 | 5.00% | 2.43% | 2.91% | 5.57% | 3.23% |
| Q2 2026 | 4.73% | 2.48% | 2.55% | 5.34% | 3.27% |
New Valley Bank & Trust 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 Valley Bank & Trust, 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 Valley Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59143) · FFIEC NIC profile (RSSD 5316920)