Burke and Herbert Bank and Trust Company: 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 Total interest expense: 30.7% higher than in Q1 2026, at $41.0M. Within Virginia, Burke and Herbert Bank and Trust Company is 18th of 56 on net interest margin, 4.20% as of Q2 2026, above the middle of the field. Burke and Herbert Bank and Trust Company reported 4.20% on net interest margin for Q2 2026, 0.60 points above the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 6.52% |
| Yield on securities | 4.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 3.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.20% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $116.8M |
| Total interest expense | $41.0M |
| Interest expense on deposits | $35.0M |
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 | 4.33% | 1.76% | 2.68% | 5.20% | 3.03% |
| Q4 2023 | 4.42% | 1.94% | 2.60% | 5.28% | 3.10% |
| Q1 2024 | 4.48% | 2.02% | 2.58% | 5.38% | 3.10% |
| Q2 2024 | 5.06% | 2.02% | 3.24% | 5.72% | 2.98% |
| Q3 2024 | 6.59% | 2.46% | 4.27% | 7.38% | 3.91% |
| Q4 2024 | 6.18% | 2.28% | 4.05% | 6.96% | 3.54% |
| Q1 2025 | 6.10% | 2.05% | 4.18% | 6.87% | 3.44% |
| Q2 2025 | 6.13% | 2.02% | 4.23% | 6.88% | 3.54% |
| Q3 2025 | 6.04% | 2.01% | 4.18% | 6.81% | 3.60% |
| Q4 2025 | 6.03% | 1.96% | 4.21% | 6.85% | 3.66% |
| Q1 2026 | 5.80% | 1.83% | 4.10% | 6.55% | 3.72% |
| Q2 2026 | 5.95% | 1.86% | 4.20% | 6.52% | 4.08% |
Burke and Herbert Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Burke and Herbert Bank and Trust Company, 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 Burke and Herbert Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11578) · FFIEC NIC profile (RSSD 933621)