Axiom Bank, N.A.: 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 standout move of Q2 2026 was in Net interest margin: 0.74 percentage points higher than in Q1 2026, at 4.29%. Within Florida, Axiom Bank, N.A. is 18th of 79 on net interest margin, 4.29% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Axiom Bank, N.A. sits 0.34 points higher, at 4.29% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.20% |
| Yield on loans | 7.44% |
| Yield on securities | 3.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 3.31% |
| Cost of interest-bearing liabilities | 3.32% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 2.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.0M |
| Total interest expense | $3.4M |
| Interest expense on deposits | $3.4M |
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 | 6.45% | 2.38% | 4.22% | 7.23% | 3.20% |
| Q4 2023 | 6.99% | 2.39% | 4.77% | 7.94% | 3.18% |
| Q1 2024 | 6.53% | 2.44% | 4.30% | 7.35% | 3.31% |
| Q2 2024 | 6.75% | 2.33% | 4.61% | 7.30% | 3.78% |
| Q3 2024 | 6.87% | 2.40% | 4.64% | 7.63% | 3.74% |
| Q4 2024 | 6.53% | 2.36% | 4.36% | 7.42% | 3.86% |
| Q1 2025 | 5.90% | 2.31% | 3.76% | 6.79% | 4.08% |
| Q2 2025 | 6.09% | 2.28% | 4.00% | 7.07% | 4.13% |
| Q3 2025 | 6.23% | 2.35% | 4.10% | 7.33% | 4.08% |
| Q4 2025 | 5.78% | 2.21% | 3.79% | 6.69% | 3.88% |
| Q1 2026 | 5.46% | 2.13% | 3.55% | 6.45% | 3.88% |
| Q2 2026 | 6.20% | 2.10% | 4.29% | 7.44% | 3.89% |
Axiom Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Axiom Bank, N.A., 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 Axiom Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31390) · FFIEC NIC profile (RSSD 408875)