BMW Bank of North America: 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.
Compared with Q1 2026, Total interest expense rose 2.6% in Q2 2026 to $111.5M, the biggest move on this page. On net interest margin, BMW Bank of North America is 5th from the bottom among 44 Utah banks, 3.05% (Q2 2026). BMW Bank of North America reported 3.05% on net interest margin for Q2 2026, 0.55 points below the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.36% |
| Yield on loans | 6.34% |
| Yield on securities | 7.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.97% |
| Cost of interest-bearing deposits | 3.82% |
| Cost of interest-bearing liabilities | 4.01% |
| Cost of borrowings | 4.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.05% |
| Yield to cost spread | 2.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $158.6M |
| Total interest expense | $111.5M |
| Interest expense on deposits | $87.0M |
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 | 5.32% | 3.06% | 2.78% | 5.28% | 5.56% |
| Q4 2023 | 5.66% | 3.47% | 2.81% | 5.61% | 5.93% |
| Q1 2024 | 5.82% | 3.61% | 2.89% | 5.77% | 6.27% |
| Q2 2024 | 6.09% | 3.89% | 2.90% | 6.00% | 6.58% |
| Q3 2024 | 6.27% | 4.06% | 2.93% | 6.21% | 6.88% |
| Q4 2024 | 6.33% | 4.09% | 3.01% | 6.28% | 7.02% |
| Q1 2025 | 6.28% | 4.01% | 3.02% | 6.25% | 7.18% |
| Q2 2025 | 6.35% | 4.13% | 2.94% | 6.30% | 7.20% |
| Q3 2025 | 6.41% | 4.15% | 2.99% | 6.35% | 7.53% |
| Q4 2025 | 6.46% | 4.09% | 3.08% | 6.38% | 7.56% |
| Q1 2026 | 6.24% | 3.95% | 2.94% | 6.25% | 7.22% |
| Q2 2026 | 6.36% | 3.97% | 3.05% | 6.34% | 7.08% |
BMW Bank of North America yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock BMW Bank of North America, 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 BMW Bank of North America profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35141) · FFIEC NIC profile (RSSD 2850722)