Beneficial State 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.8% to $7.4M. Beneficial State Bank ranks 53rd of 114 California banks on net interest margin, in the upper half at 3.79% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Beneficial State Bank reported 3.79% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.25% |
| Yield on loans | 6.19% |
| Yield on securities | 2.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | 3.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $23.5M |
| Total interest expense | $7.4M |
| Interest expense on deposits | $6.3M |
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 | 4.65% | 1.18% | 3.62% | 5.65% | 2.12% |
| Q4 2023 | 4.86% | 1.41% | 3.62% | 5.81% | 2.34% |
| Q1 2024 | 4.84% | 1.50% | 3.54% | 5.74% | 2.32% |
| Q2 2024 | 5.01% | 1.51% | 3.69% | 5.93% | 2.40% |
| Q3 2024 | 5.37% | 1.65% | 3.91% | 6.41% | 2.48% |
| Q4 2024 | 5.29% | 1.72% | 3.79% | 6.54% | 2.16% |
| Q1 2025 | 4.92% | 1.67% | 3.46% | 5.94% | 2.20% |
| Q2 2025 | 5.28% | 1.62% | 3.85% | 6.44% | 2.23% |
| Q3 2025 | 5.15% | 1.64% | 3.70% | 6.17% | 2.26% |
| Q4 2025 | 5.21% | 1.68% | 3.74% | 6.26% | 2.10% |
| Q1 2026 | 5.20% | 1.62% | 3.77% | 6.06% | 2.00% |
| Q2 2026 | 5.25% | 1.66% | 3.79% | 6.19% | 2.01% |
Beneficial State 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 Beneficial State 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 Beneficial State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58490) · FFIEC NIC profile (RSSD 3608751)