Shinhan Bank America: 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 Total interest expense: 12.4% higher than in Q1 2026, at $8.0M. Within New York, Shinhan Bank America is 46th of 105 on net interest margin, 3.73% as of Q2 2026, above the middle of the field. At 3.73%, Shinhan Bank America's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.33% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 3.06% |
| Cost of interest-bearing liabilities | 3.10% |
| Cost of borrowings | 3.72% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 2.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $24.9M |
| Total interest expense | $8.0M |
| Interest expense on deposits | $7.9M |
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 | 5.12% | 1.84% | 3.54% |
| Q4 2023 | 5.19% | 2.00% | 3.46% |
| Q1 2024 | 5.20% | 2.31% | 3.17% |
| Q2 2024 | 5.28% | 2.32% | 3.27% |
| Q3 2024 | 5.33% | 2.40% | 3.32% |
| Q4 2024 | 5.14% | 2.45% | 3.09% |
| Q1 2025 | 5.00% | 2.17% | 3.13% |
| Q2 2025 | 5.19% | 1.97% | 3.50% |
| Q3 2025 | 5.36% | 1.95% | 3.71% |
| Q4 2025 | 5.24% | 1.95% | 3.64% |
| Q1 2026 | 5.18% | 1.78% | 3.70% |
| Q2 2026 | 5.33% | 1.85% | 3.73% |
Shinhan Bank America yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Shinhan Bank America, 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 Shinhan Bank America profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33188) · FFIEC NIC profile (RSSD 1494914)