Applied 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 largest change between Q1 2026 and Q2 2026 was in Cost of interest-bearing deposits, which rose 0.65 percentage points to 0.76%. Applied Bank ranks 7th of 16 Delaware banks on net interest margin, in the upper half at 3.76% (Q2 2026). Applied Bank reported 3.76% on net interest margin for Q2 2026, 0.18 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.22% |
| Yield on loans | 6.16% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.60% |
| Cost of interest-bearing deposits | 0.76% |
| Cost of interest-bearing liabilities | 0.76% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $889K |
| Total interest expense | $290K |
| Interest expense on deposits | $290K |
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 |
|---|---|---|---|---|
| Q3 2023 | 5.76% | 0.03% | 5.74% | 6.99% |
| Q4 2023 | 5.89% | 0.02% | 5.87% | 7.22% |
| Q1 2024 | 5.83% | 0.02% | 5.81% | 7.18% |
| Q2 2024 | 5.87% | 0.03% | 5.85% | 7.33% |
| Q3 2024 | 5.80% | 0.02% | 5.78% | 7.19% |
| Q4 2024 | 5.24% | 0.02% | 5.22% | 6.79% |
| Q1 2025 | 4.84% | 0.02% | 4.82% | 6.49% |
| Q2 2025 | 4.89% | 0.02% | 4.87% | 6.55% |
| Q3 2025 | 4.91% | 0.02% | 4.88% | 6.60% |
| Q4 2025 | 4.58% | 0.02% | 4.56% | 6.36% |
| Q1 2026 | 4.12% | 0.07% | 4.06% | 6.33% |
| Q2 2026 | 4.22% | 0.60% | 3.76% | 6.16% |
Applied 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 Applied 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 Applied Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34193) · FFIEC NIC profile (RSSD 2467670)