Safra National Bank of New York: 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 Cost of borrowings: 1.51 percentage points lower than in Q1 2026, at 0.00%. On net interest margin, Safra National Bank of New York is 7th from the bottom among 105 New York banks, 1.93% (Q2 2026). The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Safra National Bank of New York sits 1.67 points lower, at 1.93% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.33% |
| Yield on loans | 5.12% |
| Yield on securities | 4.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.36% |
| Cost of interest-bearing deposits | 3.40% |
| Cost of interest-bearing liabilities | 3.40% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.93% |
| Yield to cost spread | 0.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $46.7M |
| Total interest expense | $72.2M |
| Interest expense on deposits | $72.1M |
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 | 5.98% | 3.59% | 2.87% | 6.88% | 5.32% |
| Q4 2023 | 5.82% | 3.89% | 2.28% | 7.20% | 5.79% |
| Q1 2024 | 5.95% | 3.60% | 2.58% | 7.08% | 5.40% |
| Q2 2024 | 5.98% | 3.69% | 2.49% | 7.08% | 5.57% |
| Q3 2024 | 6.12% | 3.62% | 2.48% | 7.25% | 5.39% |
| Q4 2024 | 5.49% | 3.20% | 2.26% | 6.41% | 5.42% |
| Q1 2025 | 5.05% | 2.81% | 2.15% | 5.87% | 4.88% |
| Q2 2025 | 5.06% | 3.26% | 2.07% | 6.01% | 4.62% |
| Q3 2025 | 5.01% | 3.28% | 1.99% | 5.99% | 4.95% |
| Q4 2025 | 4.74% | 2.95% | 2.04% | 5.83% | 4.47% |
| Q1 2026 | 4.41% | 2.65% | 2.00% | 5.23% | 4.13% |
| Q2 2026 | 4.33% | 2.36% | 1.93% | 5.12% | 4.09% |
Safra National Bank of New York yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Safra National Bank of New York, 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 Safra National Bank of New York profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26876) · FFIEC NIC profile (RSSD 918918)