Ponce 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.
Compared with Q1 2026, Total interest expense rose 5.6% in Q2 2026 to $21.6M, the biggest move on this page. Within New York, Ponce Bank, N.A. is 52nd of 105 on net interest margin, 3.62% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Ponce Bank, N.A. reported 3.62% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.24% |
| Yield on loans | 6.69% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.07% |
| Cost of interest-bearing deposits | 3.34% |
| Cost of interest-bearing liabilities | 3.38% |
| Cost of borrowings | 3.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.62% |
| Yield to cost spread | 2.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $46.8M |
| Total interest expense | $21.6M |
| Interest expense on deposits | $16.3M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.21% | 3.18% | 2.56% | 5.69% | 3.74% |
| Q4 2023 | 5.39% | 3.32% | 2.64% | 5.90% | 3.75% |
| Q1 2024 | 5.63% | 3.53% | 2.66% | 6.20% | 3.76% |
| Q2 2024 | 5.60% | 3.61% | 2.58% | 6.13% | 3.75% |
| Q3 2024 | 5.74% | 3.67% | 2.63% | 6.29% | 3.74% |
| Q4 2024 | 5.77% | 3.53% | 2.78% | 6.30% | 3.70% |
| Q1 2025 | 5.78% | 3.36% | 2.91% | 6.27% | 3.71% |
| Q2 2025 | 6.07% | 3.34% | 3.23% | 6.58% | 3.63% |
| Q3 2025 | 6.13% | 3.34% | 3.29% | 6.64% | 3.60% |
| Q4 2025 | 6.27% | 3.20% | 3.58% | 6.78% | 3.48% |
| Q1 2026 | 6.11% | 3.04% | 3.54% | 6.56% | 3.47% |
| Q2 2026 | 6.24% | 3.07% | 3.62% | 6.69% | 3.51% |
Ponce 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 Ponce 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 Ponce Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31189) · FFIEC NIC profile (RSSD 897170)