Blueharbor 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 3.6% to $2.5M. Within North Carolina, Blueharbor Bank is 6th of 38 on net interest margin, 4.33% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Blueharbor Bank sits 0.39 points higher, at 4.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | 6.30% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | 7.27% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 | 5.15% | 1.44% | 3.75% | 5.48% | 2.55% |
| Q4 2023 | 5.29% | 1.69% | 3.65% | 5.63% | 2.56% |
| Q1 2024 | 5.38% | 1.86% | 3.58% | 5.67% | 2.70% |
| Q2 2024 | 5.68% | 2.04% | 3.83% | 5.99% | 2.73% |
| Q3 2024 | 5.97% | 2.07% | 4.09% | 6.27% | 2.91% |
| Q4 2024 | 5.93% | 2.04% | 4.08% | 6.23% | 2.89% |
| Q1 2025 | 5.80% | 1.89% | 4.07% | 6.07% | 2.88% |
| Q2 2025 | 5.89% | 1.83% | 4.23% | 6.20% | 2.86% |
| Q3 2025 | 6.14% | 1.87% | 4.46% | 6.44% | 2.92% |
| Q4 2025 | 6.00% | 1.88% | 4.31% | 6.31% | 2.84% |
| Q1 2026 | 5.93% | 1.80% | 4.28% | 6.20% | 3.05% |
| Q2 2026 | 5.99% | 1.83% | 4.33% | 6.30% | 2.94% |
Blueharbor 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 Blueharbor 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 Blueharbor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58691) · FFIEC NIC profile (RSSD 3636914)