Bankmiami: 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.
Total interest expense climbed 46.6% in Q2 2026, from $1.1M to $1.6M. It was the largest change from Q1 2026 among the key lines here. On net interest margin, Bankmiami is 3rd from the bottom among 79 Florida banks, 2.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Bankmiami sits 1.41 points lower, at 2.53% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.72% |
| Yield on loans | 6.73% |
| Yield on securities | 4.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.44% |
| Cost of interest-bearing deposits | 2.78% |
| Cost of interest-bearing liabilities | 2.78% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.53% |
| Yield to cost spread | 1.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
Yields and Funding Costs trend
Last 6 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 |
|---|---|---|---|---|---|
| Q1 2025 | 0.74% | 0.31% | 0.73% | — | — |
| Q2 2025 | 4.55% | 3.14% | 3.57% | 8.01% | — |
| Q3 2025 | 4.94% | 3.10% | 2.81% | 6.70% | 4.59% |
| Q4 2025 | 4.76% | 2.68% | 2.60% | 6.51% | 4.91% |
| Q1 2026 | 4.67% | 2.39% | 2.64% | 6.49% | 4.80% |
| Q2 2026 | 4.72% | 2.44% | 2.53% | 6.73% | 4.82% |
Bankmiami yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankmiami, 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 Bankmiami profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59354) · FFIEC NIC profile (RSSD 5906497)