Quontic 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.
Total interest expense fell 4.9% from Q1 2026 to Q2 2026, ending at $6.6M against $7.0M. It was the largest change among the key lines on this page. Within New York, Quontic Bank is 65th of 105 on net interest margin, 3.35% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Quontic Bank sits 0.60 points lower, at 3.35% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.63% |
| Yield on loans | 7.79% |
| Yield on securities | 1.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.58% |
| Cost of interest-bearing deposits | 3.70% |
| Cost of interest-bearing liabilities | 3.70% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.35% |
| Yield to cost spread | 2.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.3M |
| Total interest expense | $6.6M |
| Interest expense on deposits | $6.6M |
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 | 7.39% | 3.73% | 4.06% | 8.07% | 1.52% |
| Q4 2023 | 7.21% | 4.48% | 3.54% | 7.61% | 1.60% |
| Q1 2024 | 6.92% | 4.29% | 3.02% | 7.64% | 1.52% |
| Q2 2024 | 7.21% | 4.23% | 3.34% | 7.80% | 1.60% |
| Q3 2024 | 7.47% | 4.47% | 3.40% | 8.01% | 1.52% |
| Q4 2024 | 7.33% | 4.42% | 3.29% | 8.10% | 1.60% |
| Q1 2025 | 6.99% | 4.10% | 3.23% | 7.94% | 1.52% |
| Q2 2025 | 7.93% | 3.91% | 4.36% | 8.72% | 1.60% |
| Q3 2025 | 7.43% | 3.90% | 3.88% | 7.99% | 1.52% |
| Q4 2025 | 7.19% | 3.92% | 3.65% | 7.92% | 1.60% |
| Q1 2026 | 6.77% | 3.73% | 3.36% | 7.97% | 1.52% |
| Q2 2026 | 6.63% | 3.58% | 3.35% | 7.79% | 1.60% |
Quontic 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 Quontic 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 Quontic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57807) · FFIEC NIC profile (RSSD 3340725)