Bank of Stockton: 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, Cost of borrowings rose 0.69 percentage points in Q2 2026 to 2.43%, the biggest move on this page. Bank of Stockton ranks 58th of 114 California banks on net interest margin, in the lower half at 3.75% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Bank of Stockton reported 3.75% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.81% |
| Yield on loans | 6.34% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.32% |
| Cost of interest-bearing deposits | 1.82% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | 2.43% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.75% |
| Yield to cost spread | 2.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $39.2M |
| Total interest expense | $12.4M |
| Interest expense on deposits | $12.4M |
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 | 3.69% | 1.10% | 2.76% | 5.49% | 1.73% |
| Q4 2023 | 3.90% | 1.27% | 2.82% | 5.61% | 1.84% |
| Q1 2024 | 3.93% | 1.32% | 2.81% | 5.65% | 1.84% |
| Q2 2024 | 4.13% | 1.31% | 3.05% | 5.83% | 1.92% |
| Q3 2024 | 4.21% | 1.33% | 3.11% | 5.97% | 1.96% |
| Q4 2024 | 4.24% | 1.45% | 3.06% | 5.97% | 2.07% |
| Q1 2025 | 4.27% | 1.44% | 3.09% | 5.86% | 2.30% |
| Q2 2025 | 4.47% | 1.47% | 3.26% | 6.10% | 2.47% |
| Q3 2025 | 4.57% | 1.48% | 3.35% | 6.20% | 2.64% |
| Q4 2025 | 4.64% | 1.42% | 3.49% | 6.27% | 2.78% |
| Q1 2026 | 4.63% | 1.35% | 3.53% | 6.17% | 2.88% |
| Q2 2026 | 4.81% | 1.32% | 3.75% | 6.34% | 3.01% |
Bank of Stockton 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 Stockton, 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 Stockton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1536) · FFIEC NIC profile (RSSD 479268)