BankUnited, N.A.: 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.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 3.01% to 3.09%, the largest move among the key lines here. Within Florida, BankUnited, N.A. is 70th of 79 on net interest margin, 3.09% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. BankUnited, N.A. sits 0.51 points lower, at 3.09% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.04% |
| Yield on loans | 5.31% |
| Yield on securities | 4.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.98% |
| Cost of interest-bearing liabilities | 3.10% |
| Cost of borrowings | 3.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.09% |
| Yield to cost spread | 1.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $311.3M |
| Total interest expense | $167.1M |
| Interest expense on deposits | $146.5M |
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 | 5.44% | 2.63% | 2.63% | 5.59% | 5.13% |
| Q4 2023 | 5.61% | 2.78% | 2.66% | 5.75% | 5.33% |
| Q1 2024 | 5.62% | 2.80% | 2.65% | 5.78% | 5.28% |
| Q2 2024 | 5.66% | 2.70% | 2.79% | 5.84% | 5.29% |
| Q3 2024 | 5.74% | 2.68% | 2.86% | 5.92% | 5.37% |
| Q4 2024 | 5.46% | 2.39% | 2.93% | 5.65% | 5.10% |
| Q1 2025 | 5.25% | 2.20% | 2.89% | 5.43% | 4.90% |
| Q2 2025 | 5.32% | 2.12% | 3.02% | 5.56% | 4.86% |
| Q3 2025 | 5.37% | 2.09% | 3.07% | 5.58% | 4.98% |
| Q4 2025 | 5.21% | 1.94% | 3.11% | 5.42% | 4.81% |
| Q1 2026 | 4.98% | 1.81% | 3.01% | 5.26% | 4.40% |
| Q2 2026 | 5.04% | 1.77% | 3.09% | 5.31% | 4.50% |
BankUnited, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock BankUnited, N.A., 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 BankUnited, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58979) · FFIEC NIC profile (RSSD 3938186)