2UNIFI Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
On its Q3 2026 filing, 2UNIFI Bank reported 10 of the 12 line items on this page. It did not report yield on securities and cost of borrowings. Yield on earning assets was 4.58% in Q3 2026, down 0.68 percentage points from 5.26% in Q3 2025. Across the 12 quarters shown it ranged from 4.26% (Q2 2026) to 5.36% (Q3 2024).
Cost of interest-bearing deposits climbed 3.90 percentage points in Q3 2026, from 0.00% to 3.90%. It was the largest change from Q2 2026 among the key lines here. 2UNIFI Bank ranks 6th of 24 Wyoming banks on net interest margin, in the upper half at 4.47% (Q3 2026). The median for banks in the < $100M asset tier is 3.95% on net interest margin. 2UNIFI Bank sits 0.52 points higher, at 4.47% (Q3 2026).
Asset yields
Yield on loans moved most in this table, up 1.46 points: 5.01% in Q2 2026, 6.47% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.58% |
| Yield on loans | 6.47% |
| Yield on securities | — |
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Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 3.83% |
| Cost of interest-bearing deposits | 3.90% |
| Cost of interest-bearing liabilities | 3.90% |
| Cost of borrowings | — |
Spread and margin
Largest change in this table: yield to cost spread, down 3.58 points to 0.68% in Q3 2026 after 4.26% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 0.68% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $86K |
| Total interest expense | $6K |
| Interest expense on deposits | $6K |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans |
|---|---|---|---|---|
| Q4 2023 | 4.94% | 0.00% | 4.94% | 8.33% |
| Q1 2024 | 5.32% | 0.00% | 5.32% | 10.46% |
| Q2 2024 | 4.96% | 2.25% | 4.68% | 8.05% |
| Q3 2024 | 5.36% | 3.11% | 4.82% | 7.45% |
| Q4 2024 | 5.04% | 3.26% | 4.48% | 10.39% |
| Q1 2025 | 5.00% | 3.08% | 4.47% | 11.53% |
| Q2 2025 | 4.86% | 1.86% | 4.67% | 8.71% |
| Q3 2025 | 5.26% | 0.00% | 5.26% | 7.78% |
| Q4 2025 | 4.74% | 0.00% | 4.74% | 7.35% |
| Q1 2026 | 4.58% | 0.00% | 4.58% | 7.19% |
| Q2 2026 | 4.26% | 0.00% | 4.26% | 5.01% |
| Q3 2026 | 4.58% | 3.83% | 4.47% | 6.47% |
2UNIFI Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full 2UNIFI Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 23826) · FFIEC NIC profile (RSSD 898458)