Woori America 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 biggest quarter-over-quarter change on this page was a small one: Yield to cost spread edged down 0.17 percentage points between Q1 2026 and Q2 2026, to 1.29%. Within New York, Woori America Bank is 85th of 105 on net interest margin, 2.80% as of Q2 2026, below the middle of the field. Woori America Bank reported 2.80% on net interest margin for Q2 2026, 0.91 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 5.25% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 3.53% |
| Cost of interest-bearing liabilities | 3.53% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.80% |
| Yield to cost spread | 1.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $40.2M |
| Total interest expense | $21.0M |
| Interest expense on deposits | $21.0M |
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 | 5.09% | 2.31% | 2.68% | 5.20% | 2.74% |
| Q4 2023 | 5.18% | 2.57% | 2.58% | 5.26% | 2.92% |
| Q1 2024 | 5.25% | 2.70% | 2.45% | 5.34% | 3.07% |
| Q2 2024 | 5.40% | 2.57% | 2.65% | 5.52% | 3.19% |
| Q3 2024 | 5.46% | 2.63% | 2.60% | 5.58% | 3.33% |
| Q4 2024 | 5.31% | 2.40% | 2.66% | 5.50% | 3.09% |
| Q1 2025 | 5.15% | 2.14% | 2.78% | 5.38% | 3.00% |
| Q2 2025 | 5.19% | 2.13% | 2.88% | 5.43% | 3.13% |
| Q3 2025 | 5.30% | 2.22% | 2.92% | 5.53% | 3.13% |
| Q4 2025 | 5.27% | 2.17% | 2.98% | 5.73% | 3.03% |
| Q1 2026 | 4.96% | 1.96% | 2.86% | 5.37% | 3.18% |
| Q2 2026 | 4.82% | 1.89% | 2.80% | 5.25% | 3.15% |
Woori America 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 Woori America 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 Woori America Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24920) · FFIEC NIC profile (RSSD 384018)