Bayvanguard Bank: 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 standout move of Q2 2026 was in Cost of borrowings: 3.85 percentage points lower than in Q1 2026, at 0.60%. Bayvanguard Bank ranks 6th of 27 Maryland banks on net interest margin, in the upper half at 4.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bayvanguard Bank sits 0.52 points higher, at 4.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.81% |
| Yield on loans | 6.16% |
| Yield on securities | 3.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 0.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.2M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.8M |
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 | 5.38% | 1.22% | 4.28% | 5.55% | 3.19% |
| Q4 2023 | 5.49% | 1.25% | 4.44% | 5.63% | 3.33% |
| Q1 2024 | 5.39% | 1.27% | 4.34% | 5.52% | 3.47% |
| Q2 2024 | 5.62% | 1.44% | 4.46% | 5.76% | 3.44% |
| Q3 2024 | 5.88% | 1.59% | 4.65% | 6.09% | 3.66% |
| Q4 2024 | 5.69% | 1.69% | 4.44% | 5.90% | 3.52% |
| Q1 2025 | 5.54% | 1.80% | 4.18% | 5.77% | 3.58% |
| Q2 2025 | 5.78% | 1.61% | 4.46% | 5.99% | 3.51% |
| Q3 2025 | 5.91% | 1.66% | 4.56% | 6.16% | 3.51% |
| Q4 2025 | 6.05% | 1.70% | 4.66% | 6.36% | 3.53% |
| Q1 2026 | 5.67% | 1.70% | 4.21% | 5.99% | 3.32% |
| Q2 2026 | 5.81% | 1.57% | 4.47% | 6.16% | 3.29% |
Bayvanguard Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bayvanguard Bank, 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 Bayvanguard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32527) · FFIEC NIC profile (RSSD 242976)