Popular 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.
In Q2 2026, Total interest expense edged up by 2.0%, from $86.5M to $88.3M, the largest move among the key lines here. Popular Bank ranks 78th of 105 New York banks on net interest margin, in the lower half at 3.16% (Q2 2026). Popular Bank reported 3.16% on net interest margin for Q2 2026, 0.43 points below the 3.59% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 6.08% |
| Yield on securities | 3.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.77% |
| Cost of interest-bearing deposits | 3.11% |
| Cost of interest-bearing liabilities | 3.13% |
| Cost of borrowings | 3.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 2.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $173.1M |
| Total interest expense | $88.3M |
| Interest expense on deposits | $82.6M |
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 | 5.43% | 2.84% | 2.92% | 5.68% | 2.47% |
| Q4 2023 | 5.56% | 3.16% | 2.74% | 5.80% | 2.69% |
| Q1 2024 | 5.57% | 3.34% | 2.59% | 5.82% | 2.84% |
| Q2 2024 | 5.61% | 3.36% | 2.58% | 5.87% | 3.17% |
| Q3 2024 | 5.74% | 3.33% | 2.74% | 6.01% | 3.43% |
| Q4 2024 | 5.58% | 3.19% | 2.72% | 5.94% | 3.37% |
| Q1 2025 | 5.43% | 3.02% | 2.71% | 5.79% | 3.32% |
| Q2 2025 | 5.60% | 2.97% | 2.93% | 5.98% | 3.28% |
| Q3 2025 | 5.67% | 3.01% | 2.96% | 6.07% | 3.24% |
| Q4 2025 | 5.74% | 2.90% | 3.13% | 6.18% | 3.57% |
| Q1 2026 | 5.53% | 2.69% | 3.12% | 6.00% | 3.37% |
| Q2 2026 | 5.63% | 2.77% | 3.16% | 6.08% | 3.44% |
Popular 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 Popular 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 Popular Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34967) · FFIEC NIC profile (RSSD 2736291)