Northeast Community 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 3.6% to $11.5M. Among 105 New York banks, Northeast Community Bank sits 5th from the top on net interest margin, 5.12% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Northeast Community Bank sits 1.41 points higher, at 5.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.52% |
| Yield on loans | 7.72% |
| Yield on securities | 2.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 3.34% |
| Cost of interest-bearing liabilities | 3.32% |
| Cost of borrowings | 3.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.12% |
| Yield to cost spread | 4.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $35.1M |
| Total interest expense | $11.5M |
| Interest expense on deposits | $10.6M |
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 | 8.94% | 2.95% | 6.35% | 9.32% | 2.18% |
| Q4 2023 | 8.91% | 3.27% | 6.00% | 9.22% | 2.30% |
| Q1 2024 | 8.76% | 3.45% | 5.69% | 9.10% | 2.36% |
| Q2 2024 | 8.87% | 3.54% | 5.74% | 9.15% | 2.45% |
| Q3 2024 | 8.88% | 3.68% | 5.62% | 9.18% | 2.46% |
| Q4 2024 | 8.45% | 3.61% | 5.24% | 8.75% | 2.58% |
| Q1 2025 | 8.03% | 3.35% | 5.06% | 8.32% | 2.62% |
| Q2 2025 | 8.13% | 3.18% | 5.33% | 8.38% | 2.87% |
| Q3 2025 | 8.14% | 3.21% | 5.36% | 8.38% | 2.78% |
| Q4 2025 | 7.85% | 3.10% | 5.16% | 8.06% | 2.97% |
| Q1 2026 | 7.44% | 2.86% | 4.98% | 7.67% | 2.96% |
| Q2 2026 | 7.52% | 2.78% | 5.12% | 7.72% | 2.97% |
Northeast Community 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 Northeast Community 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 Northeast Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29147) · FFIEC NIC profile (RSSD 823478)