Solvay 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 rose 0.47 percentage points from Q1 2026 to Q2 2026, ending at 1.97% against 1.50%. It was the largest change among the key lines on this page. Within New York, Solvay Bank is 90th of 105 on net interest margin, 2.50% as of Q2 2026. Solvay Bank reported 2.50% on net interest margin for Q2 2026, 1.21 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.21% |
| Yield on loans | 5.09% |
| Yield on securities | 2.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 1.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.50% |
| Yield to cost spread | 1.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.4M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $4.8M |
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 | 3.46% | 1.42% | 2.13% | 4.37% | 1.84% |
| Q4 2023 | 3.59% | 1.70% | 1.99% | 4.51% | 1.91% |
| Q1 2024 | 3.76% | 2.04% | 1.88% | 4.56% | 2.06% |
| Q2 2024 | 3.82% | 2.14% | 1.82% | 4.67% | 2.23% |
| Q3 2024 | 3.97% | 2.21% | 1.89% | 4.84% | 2.28% |
| Q4 2024 | 3.99% | 2.14% | 1.95% | 4.86% | 2.36% |
| Q1 2025 | 3.95% | 1.99% | 2.08% | 4.86% | 2.27% |
| Q2 2025 | 4.07% | 2.04% | 2.16% | 5.00% | 2.35% |
| Q3 2025 | 4.19% | 2.03% | 2.28% | 5.12% | 2.39% |
| Q4 2025 | 4.20% | 1.88% | 2.42% | 5.15% | 2.37% |
| Q1 2026 | 4.15% | 1.74% | 2.50% | 5.06% | 2.45% |
| Q2 2026 | 4.21% | 1.81% | 2.50% | 5.09% | 2.56% |
Solvay 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 Solvay 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 Solvay Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13297) · FFIEC NIC profile (RSSD 722816)