Banesco USA: 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.
Net interest margin rose 0.21 percentage points from Q1 2026 to Q2 2026, ending at 3.60% against 3.39%. It was the largest change among the key lines on this page. Banesco USA ranks 42nd of 79 Florida banks on net interest margin, in the lower half at 3.60% (Q2 2026). At 3.60%, Banesco USA's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.57% |
| Yield on loans | 6.24% |
| Yield on securities | 3.83% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 3.19% |
| Cost of interest-bearing liabilities | 3.29% |
| Cost of borrowings | 4.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 2.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $62.5M |
| Total interest expense | $27.4M |
| Interest expense on deposits | $17.9M |
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 | 5.45% | 2.72% | 3.00% | 5.82% | 3.58% |
| Q4 2023 | 5.54% | 2.91% | 2.92% | 5.88% | 3.91% |
| Q1 2024 | 5.70% | 3.08% | 2.90% | 6.01% | 4.39% |
| Q2 2024 | 5.80% | 2.97% | 3.10% | 6.12% | 4.42% |
| Q3 2024 | 5.91% | 2.99% | 3.19% | 6.24% | 4.27% |
| Q4 2024 | 5.73% | 2.88% | 3.11% | 6.19% | 3.94% |
| Q1 2025 | 5.59% | 2.68% | 3.17% | 6.07% | 3.95% |
| Q2 2025 | 5.72% | 2.66% | 3.30% | 6.28% | 4.03% |
| Q3 2025 | 5.71% | 2.71% | 3.20% | 6.29% | 4.00% |
| Q4 2025 | 5.62% | 2.57% | 3.26% | 6.30% | 3.89% |
| Q1 2026 | 5.50% | 2.27% | 3.39% | 6.16% | 3.76% |
| Q2 2026 | 5.57% | 2.11% | 3.60% | 6.24% | 3.83% |
Banesco USA yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Banesco USA, 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 Banesco USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57815) · FFIEC NIC profile (RSSD 3402913)