Newfield National 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.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 3.11% to 3.22%, the largest move among the key lines here. Within New Jersey, Newfield National Bank is 24th of 49 on net interest margin, 3.22% 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. Newfield National Bank sits 0.73 points lower, at 3.22% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.22% |
| Yield on loans | 5.58% |
| Yield on securities | 2.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.09% |
| Cost of interest-bearing deposits | 1.46% |
| Cost of interest-bearing liabilities | 1.50% |
| Cost of borrowings | 3.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.5M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.1M |
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 | 3.88% | 0.70% | 3.22% | 4.64% | 2.96% |
| Q4 2023 | 3.95% | 0.86% | 3.15% | 4.77% | 3.00% |
| Q1 2024 | 3.96% | 0.95% | 3.08% | 4.79% | 3.00% |
| Q2 2024 | 4.03% | 1.04% | 3.07% | 4.85% | 3.01% |
| Q3 2024 | 4.14% | 1.16% | 3.07% | 5.04% | 3.06% |
| Q4 2024 | 4.15% | 1.10% | 3.15% | 5.22% | 2.92% |
| Q1 2025 | 3.94% | 1.07% | 2.96% | 5.01% | 2.72% |
| Q2 2025 | 4.07% | 1.10% | 3.07% | 5.18% | 2.79% |
| Q3 2025 | 4.24% | 1.14% | 3.19% | 5.41% | 2.82% |
| Q4 2025 | 4.25% | 1.04% | 3.29% | 5.51% | 2.81% |
| Q1 2026 | 4.10% | 1.07% | 3.11% | 5.41% | 2.63% |
| Q2 2026 | 4.22% | 1.09% | 3.22% | 5.58% | 2.60% |
Newfield National 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 Newfield National 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 Newfield National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14646) · FFIEC NIC profile (RSSD 632410)