Union 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.
In Q2 2026, Total interest expense edged up by 2.5%, from $8.1M to $8.3M, the largest move among the key lines here. On net interest margin, Union Bank is 3rd from the bottom among 12 Vermont banks, 3.03% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Union Bank sits 0.68 points lower, at 3.03% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.11% |
| Yield on loans | 5.72% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.03% |
| Yield to cost spread | 2.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.8M |
| Total interest expense | $8.3M |
| Interest expense on deposits | $5.2M |
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 | 4.44% | 1.71% | 2.81% | 5.16% | 2.23% |
| Q4 2023 | 4.51% | 1.84% | 2.74% | 5.21% | 2.25% |
| Q1 2024 | 4.57% | 1.93% | 2.71% | 5.25% | 2.25% |
| Q2 2024 | 4.80% | 2.06% | 2.83% | 5.57% | 2.24% |
| Q3 2024 | 4.87% | 2.21% | 2.75% | 5.61% | 2.30% |
| Q4 2024 | 5.09% | 2.25% | 2.94% | 5.72% | 2.51% |
| Q1 2025 | 4.99% | 2.19% | 2.88% | 5.62% | 2.57% |
| Q2 2025 | 5.08% | 2.24% | 2.92% | 5.73% | 2.49% |
| Q3 2025 | 5.18% | 2.19% | 3.09% | 5.86% | 2.57% |
| Q4 2025 | 5.09% | 2.20% | 2.98% | 5.73% | 2.88% |
| Q1 2026 | 5.04% | 2.14% | 2.99% | 5.62% | 3.20% |
| Q2 2026 | 5.11% | 2.15% | 3.03% | 5.72% | 3.19% |
Union 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 Union 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 Union Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14158) · FFIEC NIC profile (RSSD 333203)