California Pacific 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.06 percentage points between Q1 2026 and Q2 2026, to 5.11%. On net interest margin, California Pacific Bank ranks 8th highest among the 114 banks headquartered in California, at 5.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. California Pacific Bank sits 1.16 points higher, at 5.11% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.16% |
| Yield on loans | 6.65% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.85% |
| Cost of interest-bearing liabilities | 2.85% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.11% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $267K |
| Interest expense on deposits | $267K |
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 |
|---|---|---|---|---|
| Q3 2023 | 8.98% | 1.36% | 8.27% | 10.29% |
| Q4 2023 | 10.00% | 1.80% | 9.04% | 11.42% |
| Q1 2024 | 8.76% | 2.20% | 7.59% | 10.00% |
| Q2 2024 | 8.19% | 2.26% | 6.99% | 9.35% |
| Q3 2024 | 8.36% | 2.12% | 7.22% | 9.71% |
| Q4 2024 | 8.84% | 2.02% | 7.80% | 10.13% |
| Q1 2025 | 7.63% | 1.80% | 6.73% | 8.66% |
| Q2 2025 | 7.02% | 1.88% | 6.01% | 7.72% |
| Q3 2025 | 7.65% | 2.03% | 6.47% | 8.71% |
| Q4 2025 | 4.95% | 1.98% | 3.82% | 5.15% |
| Q1 2026 | 6.10% | 1.85% | 5.05% | 6.60% |
| Q2 2026 | 6.16% | 1.83% | 5.11% | 6.65% |
California Pacific 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 Pacific 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 Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23242) · FFIEC NIC profile (RSSD 50461)