Tioga State 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, Total interest expense rose 3.3% in Q2 2026 to $1.7M, the biggest move on this page. Tioga State Bank, N.A. ranks 23rd of 105 New York banks on net interest margin, in the upper half at 4.25% (Q2 2026). Tioga State Bank, N.A. reported 4.25% on net interest margin for Q2 2026, 0.30 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 6.13% |
| Yield on securities | 4.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.21% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.72% |
| Cost of borrowings | 2.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.25% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.6M |
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 | 4.88% | 0.88% | 4.06% | 5.63% | 3.20% |
| Q4 2023 | 4.93% | 1.20% | 3.82% | 5.68% | 3.30% |
| Q1 2024 | 5.02% | 1.31% | 3.81% | 5.66% | 3.56% |
| Q2 2024 | 4.97% | 1.35% | 3.72% | 5.54% | 3.55% |
| Q3 2024 | 5.21% | 1.36% | 3.94% | 5.85% | 3.54% |
| Q4 2024 | 5.25% | 1.31% | 4.04% | 5.88% | 3.54% |
| Q1 2025 | 5.02% | 1.17% | 3.97% | 5.82% | 3.52% |
| Q2 2025 | 5.30% | 1.09% | 4.31% | 6.13% | 3.67% |
| Q3 2025 | 5.34% | 1.15% | 4.30% | 6.20% | 3.58% |
| Q4 2025 | 5.34% | 1.19% | 4.23% | 6.10% | 3.88% |
| Q1 2026 | 5.20% | 1.19% | 4.10% | 6.07% | 3.67% |
| Q2 2026 | 5.37% | 1.21% | 4.25% | 6.13% | 4.00% |
Tioga State 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 Tioga State 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 Tioga State Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9410) · FFIEC NIC profile (RSSD 910118)