Altos 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.
Yield to cost spread climbed 0.97 percentage points in Q2 2026, from 2.29% to 3.26%. It was the largest change from Q1 2026 among the key lines here. Altos Bank ranks 24th of 114 California banks on net interest margin, in the upper half at 4.32% (Q2 2026). Altos Bank reported 4.32% on net interest margin for Q2 2026, 0.44 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.52% |
| Yield on loans | 6.97% |
| Yield on securities | 4.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.76% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.32% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $581K |
| Total interest expense | $179K |
| Interest expense on deposits | $179K |
Yields and Funding Costs trend
Last 7 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 |
|---|---|---|---|---|---|
| Q4 2024 | — | — | — | — | — |
| Q1 2025 | 4.39% | 0.43% | 4.36% | — | — |
| Q2 2025 | 4.61% | 1.26% | 4.19% | 7.32% | — |
| Q3 2025 | 4.94% | 1.54% | 4.20% | 7.00% | 4.96% |
| Q4 2025 | 4.80% | 1.70% | 3.84% | 7.01% | 4.20% |
| Q1 2026 | 5.00% | 1.70% | 3.86% | 7.50% | 3.85% |
| Q2 2026 | 5.52% | 1.76% | 4.32% | 6.97% | 4.10% |
Altos 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 Altos 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 Altos Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59339) · FFIEC NIC profile (RSSD 5861541)