Newbank: 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 0.22 percentage points in Q2 2026 to 4.38%, the biggest move on this page. Newbank ranks 18th of 105 New York banks on net interest margin, in the upper half at 4.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Newbank sits 0.44 points higher, at 4.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.73% |
| Yield on loans | 7.57% |
| Yield on securities | 4.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.69% |
| Cost of interest-bearing deposits | 3.65% |
| Cost of interest-bearing liabilities | 3.65% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.5M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $3.5M |
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 | 7.89% | 3.31% | 4.93% | 9.75% | — |
| Q4 2023 | 8.02% | 3.53% | 4.88% | 9.78% | — |
| Q1 2024 | 7.79% | 3.58% | 4.58% | 9.50% | — |
| Q2 2024 | 7.96% | 3.61% | 4.74% | 9.57% | — |
| Q3 2024 | 8.04% | 3.66% | 4.78% | 9.54% | — |
| Q4 2024 | 7.52% | 3.51% | 4.38% | 9.14% | — |
| Q1 2025 | 7.05% | 3.23% | 4.20% | 8.63% | — |
| Q2 2025 | 7.16% | 3.14% | 4.43% | 8.56% | — |
| Q3 2025 | 7.18% | 3.09% | 4.53% | 8.60% | 4.88% |
| Q4 2025 | 6.79% | 2.96% | 4.23% | 8.01% | 4.24% |
| Q1 2026 | 6.50% | 2.70% | 4.16% | 7.54% | 4.23% |
| Q2 2026 | 6.73% | 2.69% | 4.38% | 7.57% | 4.25% |
Newbank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Newbank, 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 Newbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58203) · FFIEC NIC profile (RSSD 3472859)