The Pitney Bowes Bank Inc.: 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 Yield on loans: 1.46 percentage points lower than in Q1 2026, at 8.26%. The Pitney Bowes Bank Inc. ranks 12th of 44 Utah banks on net interest margin, in the upper half at 7.21% (Q2 2026). The Pitney Bowes Bank Inc.'s net interest margin of 7.21% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 3.26 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.86% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.66% |
| Cost of interest-bearing deposits | 0.86% |
| Cost of interest-bearing liabilities | 0.84% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 7.21% |
| Yield to cost spread | 7.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 7.09% | 0.53% | 6.59% |
| Q4 2023 | 6.98% | 0.66% | 6.38% |
| Q1 2024 | 7.34% | 0.66% | 6.75% |
| Q2 2024 | 7.30% | 0.68% | 6.67% |
| Q3 2024 | 7.29% | 0.73% | 6.60% |
| Q4 2024 | 7.75% | 0.75% | 7.04% |
| Q1 2025 | 7.89% | 0.73% | 7.19% |
| Q2 2025 | 7.77% | 0.76% | 7.05% |
| Q3 2025 | 8.27% | 0.70% | 7.61% |
| Q4 2025 | 8.17% | 0.67% | 7.55% |
| Q1 2026 | 8.47% | 0.69% | 7.81% |
| Q2 2026 | 7.86% | 0.66% | 7.21% |
The Pitney Bowes Bank Inc. 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 Pitney Bowes Bank Inc., 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 Pitney Bowes Bank Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34599) · FFIEC NIC profile (RSSD 2649177)