在存款及借贷成本逐步回落、贷款收益率稳步攀升的双重驱动下，ConnectOne Bancorp Inc.（纳斯达克：CNOB）的净息差有望在2026年延续上升态势。
这一乐观预期源于该行负债端成本管控成效显现，同时资产端定价能力持续增强。随着高成本定期存款陆续到期重定价，以及市场融资环境改善，资金成本压力将显著缓解。另一方面，在经济稳健增长的背景下，商业贷款与零售贷款需求保持旺盛，新发放贷款的利率水平较存量贷款明显提升，进一步推高整体生息资产收益率。
分析指出，若利率环境保持相对稳定，ConnectOne通过优化负债结构、扩大高收益贷款占比等策略，净息差扩张趋势或将延续至2026年以后，为盈利增长提供核心支撑。
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