California International Bank, 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 standout move of Q2 2026 was in Net interest margin: 1.17 percentage points higher than in Q1 2026, at 7.24%. California International Bank, N.A. has the highest net interest margin of the 114 banks headquartered in California, 7.24% as of Q2 2026. California International Bank, N.A.'s net interest margin of 7.24% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 3.29 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 9.37% |
| Yield on loans | 11.31% |
| Yield on securities | 5.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.26% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 7.24% |
| Yield to cost spread | 6.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $545K |
| Interest expense on deposits | $545K |
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 | 7.98% | 1.78% | 6.56% | 9.62% | 2.44% |
| Q4 2023 | 8.16% | 2.04% | 6.56% | 9.46% | 2.63% |
| Q1 2024 | 8.43% | 2.14% | 6.76% | 9.31% | 2.82% |
| Q2 2024 | 8.62% | 2.37% | 6.74% | 9.67% | 2.99% |
| Q3 2024 | 8.65% | 2.49% | 6.68% | 9.85% | 3.17% |
| Q4 2024 | 8.93% | 2.49% | 6.97% | 10.25% | 3.39% |
| Q1 2025 | 9.33% | 2.14% | 7.61% | 10.42% | 3.60% |
| Q2 2025 | 8.57% | 2.10% | 6.84% | 9.55% | 3.85% |
| Q3 2025 | 8.24% | 2.18% | 6.17% | 9.70% | 4.21% |
| Q4 2025 | 8.44% | 2.61% | 6.30% | 10.43% | 4.60% |
| Q1 2026 | 8.19% | 2.34% | 6.07% | 9.55% | 4.88% |
| Q2 2026 | 9.37% | 2.26% | 7.24% | 11.31% | 5.26% |
California International Bank, 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 California International Bank, 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 California International Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57974) · FFIEC NIC profile (RSSD 3394380)