Patriot Bank, N.A.: 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 standout move of Q2 2026 was in Net interest margin: 0.62 percentage points higher than in Q1 2026, at 3.16%. Within Connecticut, Patriot Bank, N.A. is 19th of 27 on net interest margin, 3.16% as of Q2 2026, below the middle of the field. Patriot Bank, N.A. reported 3.16% on net interest margin for Q2 2026, 0.55 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.51% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.72% |
| Cost of interest-bearing deposits | 2.79% |
| Cost of interest-bearing liabilities | 2.81% |
| Cost of borrowings | 2.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.6M |
| Total interest expense | $7.1M |
| Interest expense on deposits | $7.1M |
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 |
|---|---|---|---|
| Q3 2023 | 5.76% | 3.04% | 2.76% |
| Q4 2023 | 6.01% | 3.22% | 2.80% |
| Q1 2024 | 5.90% | 3.47% | 2.57% |
| Q2 2024 | 5.78% | 3.57% | 2.50% |
| Q3 2024 | 5.54% | 3.24% | 2.46% |
| Q4 2024 | 5.37% | 3.12% | 2.32% |
| Q1 2025 | 5.13% | 3.23% | 1.90% |
| Q2 2025 | 5.07% | 3.12% | 2.07% |
| Q3 2025 | 5.19% | 2.86% | 2.45% |
| Q4 2025 | 5.10% | 2.64% | 2.61% |
| Q1 2026 | 5.07% | 2.68% | 2.54% |
| Q2 2026 | 5.51% | 2.72% | 3.16% |
Patriot Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Patriot Bank, N.A., 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 Patriot Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33928) · FFIEC NIC profile (RSSD 2236821)