The Bank of Tampa: 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 Total interest expense, which rose 6.5% to $7.7M. The Bank of Tampa ranks 42nd of 79 Florida banks on net interest margin, in the lower half at 3.60% (Q2 2026). At 3.60%, The Bank of Tampa's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.66% |
| Yield on loans | 5.49% |
| Yield on securities | 2.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.14% |
| Cost of interest-bearing deposits | 1.83% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $27.7M |
| Total interest expense | $7.7M |
| Interest expense on deposits | $7.7M |
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 | 4.16% | 1.03% | 2.82% | 5.35% | 2.32% |
| Q4 2023 | 4.27% | 1.10% | 2.88% | 5.45% | 2.35% |
| Q1 2024 | 4.28% | 1.02% | 2.98% | 5.43% | 2.42% |
| Q2 2024 | 4.43% | 0.95% | 3.22% | 5.49% | 2.51% |
| Q3 2024 | 4.52% | 0.76% | 3.55% | 5.64% | 2.54% |
| Q4 2024 | 4.51% | 0.83% | 3.47% | 5.57% | 2.58% |
| Q1 2025 | 4.37% | 1.11% | 3.33% | 5.33% | 2.61% |
| Q2 2025 | 4.55% | 1.12% | 3.51% | 5.54% | 2.64% |
| Q3 2025 | 4.65% | 0.85% | 3.86% | 5.67% | 2.64% |
| Q4 2025 | 4.66% | 1.18% | 3.58% | 5.62% | 2.67% |
| Q1 2026 | 4.52% | 1.07% | 3.53% | 5.36% | 2.71% |
| Q2 2026 | 4.66% | 1.14% | 3.60% | 5.49% | 2.70% |
The Bank of Tampa yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Tampa, 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 The Bank of Tampa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21031) · FFIEC NIC profile (RSSD 273336)