Rhinebeck 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.
Cost of borrowings dropped 2.76 percentage points in Q2 2026, from 2.76% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Within New York, Rhinebeck Bank is 44th of 105 on net interest margin, 3.75% 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; Rhinebeck Bank reported 3.75% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.75% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.4M |
| Total interest expense | $5.3M |
| Interest expense on deposits | $5.3M |
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 | 4.86% | 1.59% | 3.03% |
| Q4 2023 | 4.94% | 1.78% | 2.90% |
| Q1 2024 | 4.98% | 2.28% | 2.84% |
| Q2 2024 | 5.13% | 2.31% | 2.98% |
| Q3 2024 | 5.29% | 2.24% | 3.21% |
| Q4 2024 | 5.55% | 2.09% | 3.59% |
| Q1 2025 | 5.58% | 1.98% | 3.71% |
| Q2 2025 | 5.72% | 1.90% | 3.93% |
| Q3 2025 | 5.81% | 1.98% | 3.95% |
| Q4 2025 | 5.80% | 2.04% | 3.89% |
| Q1 2026 | 5.48% | 1.90% | 3.71% |
| Q2 2026 | 5.47% | 1.86% | 3.75% |
Rhinebeck 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 Rhinebeck 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 Rhinebeck Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16032) · FFIEC NIC profile (RSSD 195111)