Beal Bank USA: 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 Yield on loans: 29.06 percentage points higher than in Q1 2026, at 38.12%. Among 14 Nevada banks, Beal Bank USA sits 2nd from the top on net interest margin, 16.37% as of Q2 2026. Against a median of 3.60% for banks in the $10B-100B asset tier, Beal Bank USA reported 16.37% on net interest margin in Q2 2026, 12.77 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 18.90% |
| Yield on loans | 38.12% |
| Yield on securities | 7.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.19% |
| Cost of interest-bearing deposits | 3.17% |
| Cost of interest-bearing liabilities | 3.09% |
| Cost of borrowings | 3.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 16.37% |
| Yield to cost spread | 15.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $397.7M |
| Total interest expense | $70.4M |
| Interest expense on deposits | $20.7M |
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 | 4.39% | 4.02% | 0.72% | 8.84% | 3.64% |
| Q4 2023 | 3.72% | 4.31% | -0.19% | 9.30% | 2.23% |
| Q1 2024 | 5.33% | 4.20% | 1.77% | 10.11% | 4.28% |
| Q2 2024 | 4.71% | 4.32% | 1.24% | 8.55% | 3.88% |
| Q3 2024 | 3.30% | 4.38% | -0.27% | 8.91% | 2.08% |
| Q4 2024 | 5.13% | 4.16% | 1.70% | 9.29% | 4.20% |
| Q1 2025 | 5.77% | 3.88% | 2.52% | 9.07% | 4.82% |
| Q2 2025 | 5.81% | 3.84% | 2.53% | 11.34% | 4.08% |
| Q3 2025 | 5.01% | 3.84% | 1.75% | 9.45% | 3.60% |
| Q4 2025 | 5.13% | 3.51% | 2.16% | 9.87% | 3.15% |
| Q1 2026 | 5.51% | 3.25% | 2.83% | 9.06% | 3.73% |
| Q2 2026 | 18.90% | 3.19% | 16.37% | 38.12% | 7.49% |
Beal Bank USA yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Beal Bank USA, 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 Beal Bank USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57833) · FFIEC NIC profile (RSSD 3284397)