Bank of Marin: 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: 8.1% lower than in Q1 2026, at $10.7M. Within California, Bank of Marin is 75th of 114 on net interest margin, 3.52% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Bank of Marin sits 0.19 points lower, at 3.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.70% |
| Yield on loans | 5.16% |
| Yield on securities | 4.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.00% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.52% |
| Yield to cost spread | 2.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $27.3M |
| Total interest expense | $10.7M |
| Interest expense on deposits | $10.7M |
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% | 0.90% | 2.56% | 4.72% | 2.21% |
| Q4 2023 | 3.79% | 0.98% | 2.62% | 4.83% | 2.33% |
| Q1 2024 | 3.81% | 1.06% | 2.55% | 4.85% | 2.33% |
| Q2 2024 | 3.87% | 1.11% | 2.54% | 4.87% | 2.29% |
| Q3 2024 | 4.13% | 1.12% | 2.77% | 4.88% | 2.52% |
| Q4 2024 | 4.14% | 1.05% | 2.87% | 4.97% | 2.61% |
| Q1 2025 | 4.05% | 0.97% | 2.88% | 4.86% | 2.61% |
| Q2 2025 | 4.15% | 0.98% | 2.98% | 4.99% | 2.67% |
| Q3 2025 | 4.38% | 1.00% | 3.18% | 5.08% | 3.16% |
| Q4 2025 | 4.56% | 1.28% | 2.99% | 5.21% | 3.60% |
| Q1 2026 | 4.65% | 1.04% | 3.41% | 5.02% | 4.08% |
| Q2 2026 | 4.70% | 1.00% | 3.52% | 5.16% | 4.10% |
Bank of Marin 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 Marin, 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 Marin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32779) · FFIEC NIC profile (RSSD 1436204)