The North Country Savings 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.
Compared with Q1 2026, Total interest expense fell 4.3% in Q2 2026 to $1.1M, the biggest move on this page. On net interest margin, The North Country Savings Bank ranks 4th highest among the 105 banks headquartered in New York, at 5.17% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The North Country Savings Bank sits 1.22 points higher, at 5.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.56% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.67% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.17% |
| Yield to cost spread | 4.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $991K |
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 |
|---|---|---|---|
| Q3 2023 | 5.31% | 1.22% | 4.28% |
| Q4 2023 | 5.76% | 1.62% | 4.39% |
| Q1 2024 | 6.04% | 1.83% | 4.48% |
| Q2 2024 | 6.42% | 1.78% | 4.91% |
| Q3 2024 | 6.50% | 1.92% | 4.89% |
| Q4 2024 | 6.60% | 2.00% | 4.92% |
| Q1 2025 | 6.57% | 1.95% | 4.93% |
| Q2 2025 | 6.67% | 1.88% | 5.11% |
| Q3 2025 | 6.67% | 1.81% | 5.18% |
| Q4 2025 | 6.65% | 1.90% | 5.09% |
| Q1 2026 | 6.58% | 1.78% | 5.11% |
| Q2 2026 | 6.56% | 1.69% | 5.17% |
The North Country Savings 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 The North Country Savings 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 The North Country Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16030) · FFIEC NIC profile (RSSD 166111)