CalPrivate 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.
In Q2 2026, Yield on loans edged up by 0.12 percentage points, from 7.15% to 7.27%, the largest move among the key lines here. Among 114 California banks, CalPrivate Bank sits 5th from the top on net interest margin, 5.20% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. CalPrivate Bank sits 1.49 points higher, at 5.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.66% |
| Yield on loans | 7.27% |
| Yield on securities | 3.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.25% |
| Cost of borrowings | 4.15% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.20% |
| Yield to cost spread | 4.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $39.0M |
| Total interest expense | $9.5M |
| Interest expense on deposits | $9.4M |
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 | 6.60% | 2.08% | 4.73% | 7.01% | 1.51% |
| Q4 2023 | 6.64% | 2.49% | 4.39% | 7.04% | 1.75% |
| Q1 2024 | 6.70% | 2.65% | 4.32% | 7.07% | 2.48% |
| Q2 2024 | 6.93% | 2.71% | 4.48% | 7.33% | 2.82% |
| Q3 2024 | 6.91% | 2.67% | 4.51% | 7.31% | 3.18% |
| Q4 2024 | 6.89% | 2.41% | 4.74% | 7.32% | 3.31% |
| Q1 2025 | 6.57% | 2.23% | 4.58% | 7.04% | 3.27% |
| Q2 2025 | 6.84% | 2.09% | 4.96% | 7.35% | 3.52% |
| Q3 2025 | 6.56% | 2.05% | 4.72% | 7.03% | 3.64% |
| Q4 2025 | 6.56% | 1.85% | 4.92% | 7.10% | 3.80% |
| Q1 2026 | 6.66% | 1.63% | 5.17% | 7.15% | 3.79% |
| Q2 2026 | 6.66% | 1.60% | 5.20% | 7.27% | 3.82% |
CalPrivate 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 CalPrivate 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 CalPrivate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58291) · FFIEC NIC profile (RSSD 3545258)