B2 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: 0.46 percentage points lower than in Q1 2026, at 3.85%. Within Utah, B2 Bank N.A. is 36th of 44 on net interest margin, 3.85% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; B2 Bank N.A. reported 3.85% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | 7.00% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.53% |
| Cost of interest-bearing liabilities | 1.53% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $617K |
| Total interest expense | $259K |
| Interest expense on deposits | $259K |
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 | 5.91% | 1.15% | 4.81% | 7.40% | 5.19% |
| Q4 2023 | 6.01% | 1.51% | 4.35% | 7.39% | 5.56% |
| Q1 2024 | 6.01% | 1.68% | 4.16% | 7.46% | 5.28% |
| Q2 2024 | 6.42% | 1.70% | 4.60% | 8.09% | 6.24% |
| Q3 2024 | 6.94% | 1.55% | 5.22% | 9.59% | 3.09% |
| Q4 2024 | 6.53% | 1.33% | 5.04% | 8.88% | 4.97% |
| Q1 2025 | 5.96% | 1.42% | 4.45% | 8.13% | 4.17% |
| Q2 2025 | 6.29% | 1.33% | 4.88% | 8.15% | 4.70% |
| Q3 2025 | 6.18% | 1.34% | 4.82% | 7.94% | 4.17% |
| Q4 2025 | 6.01% | 1.21% | 4.77% | 7.50% | 4.80% |
| Q1 2026 | 5.54% | 1.19% | 4.31% | 7.08% | 3.78% |
| Q2 2026 | 5.36% | 1.49% | 3.85% | 7.00% | 3.51% |
B2 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 B2 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 B2 Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5105) · FFIEC NIC profile (RSSD 108652)