United Orient 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 Yield on securities: 1.19 percentage points higher than in Q1 2026, at 1.99%. Within New York, United Orient Bank is 19th of 105 on net interest margin, 4.36% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. United Orient Bank sits 0.41 points higher, at 4.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.36% |
| Yield on loans | 6.84% |
| Yield on securities | 1.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.43% |
| Cost of interest-bearing deposits | 2.95% |
| Cost of interest-bearing liabilities | 3.13% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.36% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $507K |
| Interest expense on deposits | $383K |
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 | 7.81% | 2.11% | 5.98% | 8.27% | 0.70% |
| Q4 2023 | 6.91% | 2.29% | 4.99% | 7.33% | 0.60% |
| Q1 2024 | 6.91% | 2.33% | 4.93% | 7.34% | 0.70% |
| Q2 2024 | 6.82% | 2.47% | 4.77% | 7.23% | 0.60% |
| Q3 2024 | 6.91% | 2.55% | 4.76% | 7.31% | 0.67% |
| Q4 2024 | 6.84% | 2.47% | 4.78% | 7.23% | 0.80% |
| Q1 2025 | 6.67% | 2.52% | 4.53% | 7.14% | 0.80% |
| Q2 2025 | 6.77% | 2.55% | 4.61% | 7.34% | 0.80% |
| Q3 2025 | 6.49% | 3.05% | 4.38% | 6.89% | 0.80% |
| Q4 2025 | 6.31% | 2.48% | 4.32% | 6.79% | 0.80% |
| Q1 2026 | 6.47% | 2.35% | 4.47% | 6.93% | 0.80% |
| Q2 2026 | 6.36% | 2.43% | 4.36% | 6.84% | 1.99% |
United Orient 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 United Orient 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 United Orient Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23373) · FFIEC NIC profile (RSSD 70218)