Bankpacific, Ltd.: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 5.44%. Bankpacific, Ltd. reported 5.44% on net interest margin for Q2 2026, 1.50 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 6.79% |
| Yield on securities | 4.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.01% |
| Cost of interest-bearing deposits | 0.01% |
| Cost of interest-bearing liabilities | 0.01% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.44% |
| Yield to cost spread | 5.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $4K |
| Interest expense on deposits | $3K |
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 | 5.45% | 0.01% | 5.43% | 6.21% | 3.23% |
| Q4 2023 | 5.59% | 0.01% | 5.58% | 6.36% | 3.36% |
| Q1 2024 | 5.91% | 0.01% | 5.90% | 6.61% | 4.27% |
| Q2 2024 | 5.93% | 0.01% | 5.92% | 6.62% | 4.47% |
| Q3 2024 | 5.89% | 0.01% | 5.88% | 6.66% | 4.49% |
| Q4 2024 | 5.82% | 0.01% | 5.81% | 6.76% | 4.48% |
| Q1 2025 | 5.57% | 0.01% | 5.56% | 6.51% | 4.38% |
| Q2 2025 | 5.65% | 0.01% | 5.64% | 6.58% | 4.34% |
| Q3 2025 | 6.22% | 0.01% | 6.22% | 7.64% | 4.30% |
| Q4 2025 | 6.17% | 0.01% | 6.16% | 7.78% | 4.27% |
| Q1 2026 | 5.35% | 0.01% | 5.35% | 6.66% | 4.13% |
| Q2 2026 | 5.45% | 0.01% | 5.44% | 6.79% | 4.10% |
Bankpacific, Ltd. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankpacific, Ltd., 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 Bankpacific, Ltd. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30692) · FFIEC NIC profile (RSSD 364270)