Spring 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.
The standout move of Q2 2026 was in Total interest expense: 8.4% higher than in Q1 2026, at $4.0M. Spring Bank ranks 28th of 105 New York banks on net interest margin, in the upper half at 4.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Spring Bank sits 0.13 points higher, at 4.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.56% |
| Yield on loans | 7.70% |
| Yield on securities | 3.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.90% |
| Cost of interest-bearing deposits | 3.61% |
| Cost of interest-bearing liabilities | 3.61% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 2.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.9M |
| Total interest expense | $4.0M |
| Interest expense on deposits | $4.0M |
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 | 6.66% | 2.48% | 4.51% | 8.20% | 3.76% |
| Q4 2023 | 7.05% | 2.72% | 4.77% | 8.77% | 3.82% |
| Q1 2024 | 6.81% | 2.80% | 4.51% | 8.29% | 3.84% |
| Q2 2024 | 6.52% | 2.98% | 4.10% | 7.88% | 3.89% |
| Q3 2024 | 6.98% | 3.16% | 4.38% | 8.59% | 3.80% |
| Q4 2024 | 6.75% | 3.07% | 4.22% | 8.22% | 3.74% |
| Q1 2025 | 6.89% | 2.95% | 4.45% | 8.50% | 3.57% |
| Q2 2025 | 6.71% | 2.99% | 4.23% | 8.09% | 3.53% |
| Q3 2025 | 6.75% | 3.00% | 4.23% | 8.17% | 3.64% |
| Q4 2025 | 6.51% | 2.93% | 4.07% | 7.92% | 3.51% |
| Q1 2026 | 6.34% | 2.86% | 3.90% | 7.64% | 3.51% |
| Q2 2026 | 6.56% | 2.90% | 4.07% | 7.70% | 3.58% |
Spring 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 Spring 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 Spring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58668) · FFIEC NIC profile (RSSD 3368925)