Bac Community 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 standout move of Q2 2026 was in Cost of borrowings: 1.56 percentage points lower than in Q1 2026, at 2.84%. Within California, Bac Community Bank is 64th of 114 on net interest margin, 3.69% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Bac Community Bank sits 0.25 points lower, at 3.69% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.54% |
| Yield on loans | 5.84% |
| Yield on securities | 2.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.91% |
| Cost of interest-bearing deposits | 1.45% |
| Cost of interest-bearing liabilities | 1.48% |
| Cost of borrowings | 2.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.69% |
| Yield to cost spread | 3.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.7M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
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 | 3.65% | 0.63% | 2.85% | 4.77% | 1.94% |
| Q4 2023 | 3.70% | 0.69% | 2.83% | 4.78% | 1.94% |
| Q1 2024 | 3.72% | 0.79% | 2.77% | 4.87% | 1.78% |
| Q2 2024 | 3.84% | 0.85% | 2.81% | 5.08% | 1.91% |
| Q3 2024 | 4.10% | 0.95% | 2.94% | 5.39% | 1.85% |
| Q4 2024 | 3.99% | 0.88% | 2.92% | 5.21% | 1.84% |
| Q1 2025 | 3.99% | 1.02% | 3.02% | 5.17% | 1.89% |
| Q2 2025 | 4.11% | 1.03% | 3.16% | 5.29% | 1.93% |
| Q3 2025 | 4.28% | 1.04% | 3.29% | 5.54% | 1.93% |
| Q4 2025 | 4.24% | 1.05% | 3.26% | 5.45% | 1.92% |
| Q1 2026 | 4.32% | 0.97% | 3.41% | 5.35% | 2.01% |
| Q2 2026 | 4.54% | 0.91% | 3.69% | 5.84% | 2.13% |
Bac Community 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 Bac Community 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 Bac Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19434) · FFIEC NIC profile (RSSD 5461)