C3bank, N.A.: 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 3.7% to $3.1M. C3bank, N.A. ranks 50th of 114 California banks on net interest margin, in the upper half at 3.83% (Q2 2026). C3bank, N.A. reported 3.83% on net interest margin for Q2 2026, 0.12 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.27% |
| Yield on loans | 5.98% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.47% |
| Cost of interest-bearing liabilities | 2.68% |
| Cost of borrowings | 13.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 2.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.0M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $2.9M |
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 | 5.91% | 2.21% | 3.91% | 6.30% | 3.18% |
| Q4 2023 | 5.64% | 2.28% | 3.50% | 5.88% | 3.14% |
| Q1 2024 | 5.58% | 2.20% | 3.55% | 5.78% | 3.21% |
| Q2 2024 | 5.78% | 2.24% | 3.81% | 6.11% | 3.30% |
| Q3 2024 | 5.98% | 2.26% | 3.97% | 6.27% | 3.66% |
| Q4 2024 | 5.57% | 2.06% | 3.61% | 6.03% | 3.66% |
| Q1 2025 | 5.21% | 1.99% | 3.40% | 5.83% | 3.52% |
| Q2 2025 | 5.45% | 1.96% | 3.65% | 6.01% | 4.16% |
| Q3 2025 | 5.43% | 1.88% | 3.70% | 6.02% | 3.91% |
| Q4 2025 | 5.27% | 1.55% | 3.79% | 5.84% | 3.84% |
| Q1 2026 | 5.26% | 1.48% | 3.88% | 5.89% | 3.94% |
| Q2 2026 | 5.27% | 1.57% | 3.83% | 5.98% | 3.90% |
C3bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock C3bank, N.A., 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 C3bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25249) · FFIEC NIC profile (RSSD 754068)