Bank of Hope: 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.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 2.89% to 2.98%, the largest move among the key lines here. Within California, Bank of Hope is 102nd of 114 on net interest margin, 2.98% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Bank of Hope sits 0.62 points lower, at 2.98% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | 5.72% |
| Yield on securities | 3.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 3.30% |
| Cost of interest-bearing liabilities | 3.30% |
| Cost of borrowings | 3.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.98% |
| Yield to cost spread | 2.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $211.1M |
| Total interest expense | $105.0M |
| Interest expense on deposits | $101.8M |
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 | 5.72% | 2.42% | 2.87% | 6.32% | 2.63% |
| Q4 2023 | 5.71% | 2.54% | 2.73% | 6.29% | 2.80% |
| Q1 2024 | 5.65% | 2.83% | 2.56% | 6.22% | 2.77% |
| Q2 2024 | 5.63% | 2.73% | 2.63% | 6.17% | 2.70% |
| Q3 2024 | 5.66% | 2.79% | 2.59% | 6.19% | 2.73% |
| Q4 2024 | 5.49% | 2.69% | 2.54% | 5.98% | 2.77% |
| Q1 2025 | 5.31% | 2.57% | 2.52% | 5.80% | 2.70% |
| Q2 2025 | 5.39% | 2.48% | 2.70% | 5.86% | 2.91% |
| Q3 2025 | 5.58% | 2.42% | 2.94% | 5.97% | 3.47% |
| Q4 2025 | 5.48% | 2.32% | 2.96% | 5.85% | 3.43% |
| Q1 2026 | 5.27% | 2.19% | 2.89% | 5.61% | 3.31% |
| Q2 2026 | 5.35% | 2.18% | 2.98% | 5.72% | 3.37% |
Bank of Hope 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 Hope, 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 Hope profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26610) · FFIEC NIC profile (RSSD 671464)