The Upstate National 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.
Compared with Q1 2026, Total interest expense rose 6.1% in Q2 2026 to $2.3M, the biggest move on this page. The Upstate National Bank ranks 92nd of 105 New York banks on net interest margin, in the lower half at 2.32% (Q2 2026). The Upstate National Bank reported 2.32% on net interest margin for Q2 2026, 1.63 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.53% |
| Yield on loans | 6.11% |
| Yield on securities | 2.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.57% |
| Cost of interest-bearing deposits | 3.94% |
| Cost of interest-bearing liabilities | 4.07% |
| Cost of borrowings | 4.46% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.32% |
| Yield to cost spread | 1.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $1.7M |
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 | 4.92% | 3.91% | 1.37% | 5.20% | 2.62% |
| Q4 2023 | 4.88% | 4.04% | 1.30% | 5.16% | 1.79% |
| Q1 2024 | 4.98% | 4.22% | 1.21% | 5.24% | 2.38% |
| Q2 2024 | 5.08% | 4.12% | 1.39% | 5.20% | 2.28% |
| Q3 2024 | 5.07% | 4.19% | 1.31% | 5.31% | 2.30% |
| Q4 2024 | 5.02% | 4.14% | 1.31% | 5.30% | 2.36% |
| Q1 2025 | 4.87% | 3.84% | 1.45% | 5.21% | 2.09% |
| Q2 2025 | 5.38% | 3.80% | 1.99% | 5.76% | 2.22% |
| Q3 2025 | 5.10% | 3.80% | 1.72% | 5.49% | 2.27% |
| Q4 2025 | 5.34% | 3.76% | 1.99% | 5.72% | 2.28% |
| Q1 2026 | 5.34% | 3.56% | 2.16% | 5.92% | 1.88% |
| Q2 2026 | 5.53% | 3.57% | 2.32% | 6.11% | 2.26% |
The Upstate National 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 The Upstate National 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 The Upstate National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13748) · FFIEC NIC profile (RSSD 313009)