Pathfinder Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Pathfinder Bank reported all 12 line items on this page on its Q2 2026 filing. Yield on earning assets was 5.36% in Q2 2026, down 0.24 percentage points from 5.60% in Q2 2025. Across the 12 quarters shown it ranged from 5.26% (Q4 2025) to 6.08% (Q3 2024).
What the yields and funding costs page covers and where each line comes from.
Open the full net interest margin analysis: the yield and margin contribution of each earning asset, the cost of each kind of funding, what moved the margin, and peers measured the same way.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.6% to $6.9M. Within New York, Pathfinder Bank is 67th of 105 on net interest margin, 3.33% as of Q2 2026. Pathfinder Bank reported 3.33% on net interest margin for Q2 2026, 0.38 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | 5.60% |
| Yield on securities | 4.87% |
Source: Call Report Schedules RI and RC-K. Open the filed call report for Q2 2026 on the FFIEC CDR.
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.55% |
| Cost of borrowings | 3.17% |
Source: Call Report Schedules RI and RC-K. Open the filed call report for Q2 2026 on the FFIEC CDR.
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.33% |
| Yield to cost spread | 2.81% |
Source: Call Report Schedules RI and RC-K. Open the filed call report for Q2 2026 on the FFIEC CDR.
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.6M |
| Total interest expense | $6.9M |
| Interest expense on deposits | $6.2M |
Source: Call Report Schedules RI and RC-K. Open the filed call report for Q2 2026 on the FFIEC CDR.
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 | 5.45% | 2.32% | 3.28% | 5.60% | 5.08% |
| Q4 2023 | 5.51% | 2.78% | 2.91% | 5.54% | 5.31% |
| Q1 2024 | 5.50% | 2.72% | 2.95% | 5.49% | 5.03% |
| Q2 2024 | 5.61% | 2.83% | 2.97% | 5.60% | 6.01% |
| Q3 2024 | 6.08% | 2.73% | 3.52% | 6.32% | 5.11% |
| Q4 2024 | 5.76% | 2.69% | 3.24% | 5.90% | 4.92% |
| Q1 2025 | 5.70% | 2.35% | 3.51% | 5.99% | 4.92% |
| Q2 2025 | 5.60% | 2.43% | 3.33% | 5.78% | 5.12% |
| Q3 2025 | 5.84% | 2.35% | 3.62% | 6.12% | 5.14% |
| Q4 2025 | 5.26% | 2.29% | 3.11% | 5.72% | 4.18% |
| Q1 2026 | 5.34% | 2.09% | 3.37% | 5.51% | 5.04% |
| Q2 2026 | 5.36% | 2.12% | 3.33% | 5.60% | 4.87% |
Pathfinder Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q2 2026. How these pages are built. See the full Pathfinder Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57497) · FFIEC NIC profile (RSSD 729310)