Bankflorida: 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, Total interest expense fell 5.0% in Q2 2026 to $2.0M, the biggest move on this page. Within Florida, Bankflorida is 19th of 79 on net interest margin, 4.24% as of Q2 2026. Bankflorida reported 4.24% on net interest margin for Q2 2026, 0.30 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.21% |
| Yield on loans | 6.63% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 4.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.8M |
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 | 5.64% | 2.62% | 3.20% | 5.91% | 3.59% |
| Q4 2023 | 5.78% | 2.86% | 3.10% | 6.04% | 3.74% |
| Q1 2024 | 5.63% | 2.92% | 2.88% | 5.91% | 3.67% |
| Q2 2024 | 5.84% | 2.88% | 3.10% | 6.15% | 3.94% |
| Q3 2024 | 5.97% | 2.77% | 3.36% | 6.33% | 3.78% |
| Q4 2024 | 6.09% | 2.56% | 3.64% | 6.39% | 4.39% |
| Q1 2025 | 5.95% | 2.46% | 3.54% | 6.27% | 4.33% |
| Q2 2025 | 5.99% | 2.49% | 3.56% | 6.43% | 4.35% |
| Q3 2025 | 6.24% | 2.49% | 3.82% | 6.62% | 4.41% |
| Q4 2025 | 6.15% | 2.31% | 3.93% | 6.58% | 0.00% |
| Q1 2026 | 6.21% | 2.17% | 4.13% | 6.70% | 0.00% |
| Q2 2026 | 6.21% | 2.12% | 4.24% | 6.63% | 0.00% |
Bankflorida yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankflorida, 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 Bankflorida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58537) · FFIEC NIC profile (RSSD 3629484)