Signature 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.
The largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.46 percentage points to 3.63%. Signature Bank, N.A. ranks 52nd of 156 Ohio banks on net interest margin, in the upper half at 4.00% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Signature Bank, N.A. sits 0.29 points higher, at 4.00% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 5.89% |
| Yield on securities | 3.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 2.14% |
| Cost of interest-bearing liabilities | 2.14% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.0M |
| Total interest expense | $4.7M |
| Interest expense on deposits | $4.7M |
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 | 4.50% | 1.69% | 2.99% | 5.19% | 0.97% |
| Q4 2023 | 4.61% | 1.87% | 2.94% | 5.31% | 0.97% |
| Q1 2024 | 4.72% | 1.99% | 2.92% | 5.43% | 0.96% |
| Q2 2024 | 4.79% | 2.03% | 2.98% | 5.50% | 0.88% |
| Q3 2024 | 5.01% | 2.11% | 3.13% | 5.66% | 0.87% |
| Q4 2024 | 4.93% | 1.98% | 3.16% | 5.57% | 0.84% |
| Q1 2025 | 5.33% | 1.87% | 3.66% | 6.07% | 0.85% |
| Q2 2025 | 5.16% | 1.84% | 3.52% | 5.77% | 0.92% |
| Q3 2025 | 5.35% | 1.87% | 3.68% | 5.94% | 1.28% |
| Q4 2025 | 5.33% | 1.78% | 3.74% | 5.92% | 1.94% |
| Q1 2026 | 5.36% | 1.63% | 3.90% | 5.80% | 3.17% |
| Q2 2026 | 5.45% | 1.65% | 4.00% | 5.89% | 3.63% |
Signature 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 Signature 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 Signature Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57269) · FFIEC NIC profile (RSSD 3076604)