Bank of Pensacola: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.15 percentage points to 3.28%. Within Florida, Bank of Pensacola is 65th of 79 on net interest margin, 3.28% as of Q2 2026, below the middle of the field. Bank of Pensacola reported 3.28% on net interest margin for Q2 2026, 0.67 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.13% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 1.67% |
| Cost of interest-bearing liabilities | 1.67% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.28% |
| Yield to cost spread | 2.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $293K |
| Interest expense on deposits | $293K |
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 |
|---|---|---|---|
| Q3 2023 | 2.90% | 1.01% | 1.95% |
| Q4 2023 | 3.05% | 1.01% | 2.07% |
| Q1 2024 | 3.13% | 1.04% | 2.11% |
| Q2 2024 | 3.23% | 1.10% | 2.16% |
| Q3 2024 | 3.39% | 1.08% | 2.33% |
| Q4 2024 | 3.55% | 1.00% | 2.60% |
| Q1 2025 | 3.56% | 0.98% | 2.63% |
| Q2 2025 | 3.68% | 0.90% | 2.80% |
| Q3 2025 | 3.84% | 0.89% | 2.96% |
| Q4 2025 | 3.99% | 0.93% | 3.09% |
| Q1 2026 | 3.95% | 0.86% | 3.13% |
| Q2 2026 | 4.13% | 0.89% | 3.28% |
Bank of Pensacola 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 Pensacola, 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 Pensacola profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21284) · FFIEC NIC profile (RSSD 581237)