Bank of England: 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.
Compared with Q1 2026, Net interest margin rose 0.17 percentage points in Q2 2026 to 3.71%, the biggest move on this page. Bank of England ranks 64th of 78 Arkansas banks on net interest margin, in the lower half at 3.71% (Q2 2026). Bank of England reported 3.71% on net interest margin for Q2 2026, 0.24 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.76% |
| Yield on loans | 6.27% |
| Yield on securities | 4.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.17% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | 2.12% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 2.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $778K |
| Interest expense on deposits | $725K |
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 | 4.84% | 2.01% | 2.97% | 5.90% | 2.18% |
| Q4 2023 | 5.43% | 1.66% | 3.87% | 6.17% | 3.95% |
| Q1 2024 | 5.43% | 1.77% | 3.71% | 6.30% | 3.67% |
| Q2 2024 | 5.23% | 1.74% | 3.55% | 6.07% | 3.31% |
| Q3 2024 | 5.35% | 1.77% | 3.63% | 6.13% | 3.41% |
| Q4 2024 | 5.23% | 1.63% | 3.64% | 6.08% | 4.50% |
| Q1 2025 | 4.70% | 1.56% | 3.30% | 6.03% | 4.02% |
| Q2 2025 | 5.04% | 1.53% | 3.67% | 6.08% | 4.58% |
| Q3 2025 | 5.12% | 1.48% | 3.78% | 6.37% | 4.40% |
| Q4 2025 | 4.80% | 1.43% | 3.52% | 6.16% | 4.20% |
| Q1 2026 | 4.70% | 1.28% | 3.54% | 6.38% | 4.10% |
| Q2 2026 | 4.76% | 1.17% | 3.71% | 6.27% | 4.21% |
Bank of England 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 England, 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 England profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13303) · FFIEC NIC profile (RSSD 244149)