Seneca Savings 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, Net interest margin rose 0.23 percentage points in Q2 2026 to 3.58%, the biggest move on this page. Seneca Savings Bank, N.A. ranks 53rd of 105 New York banks on net interest margin, in the lower half at 3.58% (Q2 2026). Seneca Savings Bank, N.A. reported 3.58% on net interest margin for Q2 2026, 0.37 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 5.92% |
| Yield on securities | 3.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.98% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | 3.53% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 3.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.0M |
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 | 4.90% | 1.68% | 3.32% | 5.28% | 2.99% |
| Q4 2023 | 5.09% | 1.93% | 3.25% | 5.46% | 2.98% |
| Q1 2024 | 5.13% | 2.21% | 3.09% | 5.53% | 3.08% |
| Q2 2024 | 5.28% | 2.29% | 3.12% | 5.68% | 2.99% |
| Q3 2024 | 5.37% | 2.20% | 3.28% | 5.81% | 2.99% |
| Q4 2024 | 5.40% | 2.12% | 3.38% | 5.86% | 3.19% |
| Q1 2025 | 5.25% | 2.10% | 3.25% | 5.71% | 3.28% |
| Q2 2025 | 5.39% | 2.11% | 3.34% | 5.89% | 3.25% |
| Q3 2025 | 5.27% | 2.20% | 3.10% | 5.85% | 3.43% |
| Q4 2025 | 5.24% | 2.11% | 3.18% | 5.78% | 3.40% |
| Q1 2026 | 5.29% | 2.00% | 3.35% | 5.76% | 3.31% |
| Q2 2026 | 5.48% | 1.98% | 3.58% | 5.92% | 3.41% |
Seneca Savings 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 Seneca Savings 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 Seneca Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29496) · FFIEC NIC profile (RSSD 276074)