Ulster Savings 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 fell 0.31 percentage points from Q1 2026 to Q2 2026, ending at 3.83% against 4.15%. It was the largest change among the key lines on this page. Within New York, Ulster Savings Bank is 77th of 105 on net interest margin, 3.19% as of Q2 2026, below the middle of the field. Ulster Savings Bank reported 3.19% on net interest margin for Q2 2026, 0.52 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.70% |
| Yield on loans | 5.20% |
| Yield on securities | 2.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.43% |
| Cost of interest-bearing deposits | 1.89% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.19% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.6M |
| Total interest expense | $5.0M |
| 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 | 4.15% | 1.26% | 2.80% | 4.53% | 2.20% |
| Q4 2023 | 4.29% | 1.49% | 2.68% | 4.67% | 2.25% |
| Q1 2024 | 4.42% | 1.64% | 2.68% | 4.81% | 2.23% |
| Q2 2024 | 4.45% | 1.72% | 2.62% | 4.83% | 2.28% |
| Q3 2024 | 4.52% | 1.79% | 2.62% | 4.92% | 2.26% |
| Q4 2024 | 4.49% | 1.77% | 2.60% | 4.90% | 2.34% |
| Q1 2025 | 4.51% | 1.67% | 2.75% | 4.97% | 2.33% |
| Q2 2025 | 4.61% | 1.61% | 2.90% | 5.08% | 2.33% |
| Q3 2025 | 4.61% | 1.55% | 2.96% | 5.08% | 2.39% |
| Q4 2025 | 4.72% | 1.51% | 3.11% | 5.19% | 2.36% |
| Q1 2026 | 4.68% | 1.42% | 3.18% | 5.20% | 2.30% |
| Q2 2026 | 4.70% | 1.43% | 3.19% | 5.20% | 2.20% |
Ulster Savings 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 Ulster Savings 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 Ulster Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15970) · FFIEC NIC profile (RSSD 301800)