California Business 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 standout move of Q2 2026 was in Yield on securities: 1.11 percentage points lower than in Q1 2026, at 6.64%. Within California, California Business Bank is 26th of 114 on net interest margin, 4.29% as of Q2 2026, above the middle of the field. California Business Bank reported 4.29% on net interest margin for Q2 2026, 0.34 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.33% |
| Yield on loans | 6.78% |
| Yield on securities | 6.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 3.27% |
| Cost of interest-bearing liabilities | 3.36% |
| Cost of borrowings | 4.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 2.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $607K |
| Interest expense on deposits | $565K |
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 | 5.21% | 1.49% | 3.92% | 5.45% | 3.68% |
| Q4 2023 | 5.26% | 1.57% | 3.91% | 5.43% | 3.98% |
| Q1 2024 | 5.58% | 1.66% | 4.13% | 5.73% | 3.47% |
| Q2 2024 | 6.01% | 1.69% | 4.55% | 6.15% | 3.23% |
| Q3 2024 | 5.71% | 1.65% | 4.24% | 5.80% | 3.60% |
| Q4 2024 | 5.74% | 1.63% | 4.34% | 5.99% | 3.42% |
| Q1 2025 | 5.79% | 1.86% | 4.11% | 6.07% | 2.90% |
| Q2 2025 | 5.87% | 2.19% | 3.95% | 6.12% | 3.41% |
| Q3 2025 | 5.72% | 2.51% | 3.45% | 6.26% | 4.20% |
| Q4 2025 | 7.16% | 2.42% | 5.04% | 8.07% | 6.93% |
| Q1 2026 | 6.13% | 2.28% | 4.09% | 6.34% | 7.75% |
| Q2 2026 | 6.33% | 2.25% | 4.29% | 6.78% | 6.64% |
California Business 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 California Business 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 California Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58037) · FFIEC NIC profile (RSSD 3390337)