Bank of Central Florida: 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 Total interest expense: 9.2% higher than in Q1 2026, at $4.4M. Within Florida, Bank of Central Florida is 42nd of 79 on net interest margin, 3.60% as of Q2 2026, below the middle of the field. At 3.60%, Bank of Central Florida'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 | 5.02% |
| Yield on loans | 5.82% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 2.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.3M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $4.4M |
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 | 4.44% | 1.49% | 3.01% | 5.26% | 2.22% |
| Q4 2023 | 4.72% | 1.62% | 3.17% | 5.58% | 2.33% |
| Q1 2024 | 4.92% | 1.72% | 3.29% | 5.72% | 2.59% |
| Q2 2024 | 5.08% | 1.81% | 3.38% | 5.80% | 2.77% |
| Q3 2024 | 5.20% | 1.81% | 3.50% | 5.98% | 2.67% |
| Q4 2024 | 5.06% | 1.63% | 3.56% | 5.88% | 2.66% |
| Q1 2025 | 5.05% | 1.45% | 3.69% | 5.77% | 3.25% |
| Q2 2025 | 5.06% | 1.56% | 3.60% | 5.91% | 2.86% |
| Q3 2025 | 5.18% | 1.68% | 3.60% | 6.04% | 3.04% |
| Q4 2025 | 5.09% | 1.54% | 3.66% | 5.93% | 3.18% |
| Q1 2026 | 4.92% | 1.42% | 3.61% | 5.71% | 3.15% |
| Q2 2026 | 5.02% | 1.52% | 3.60% | 5.82% | 3.15% |
Bank of Central Florida yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Central Florida, 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 Bank of Central Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58479) · FFIEC NIC profile (RSSD 3588312)