Capital 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.52 percentage points to 3.05%. Capital Bank, N.A. has the highest net interest margin of the 27 banks headquartered in Maryland, 5.61% as of Q2 2026. Capital Bank, N.A.'s net interest margin of 5.61% is well above the 3.71% median for banks in the $1B-10B asset tier, a gap of 1.90 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.73% |
| Yield on loans | 8.50% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 3.03% |
| Cost of interest-bearing liabilities | 3.04% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.61% |
| Yield to cost spread | 4.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $64.7M |
| Total interest expense | $19.0M |
| Interest expense on deposits | $18.5M |
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 | 8.78% | 2.00% | 6.76% | 9.83% | 1.90% |
| Q4 2023 | 8.71% | 2.24% | 6.46% | 9.71% | 1.94% |
| Q1 2024 | 8.61% | 2.39% | 6.22% | 9.58% | 2.15% |
| Q2 2024 | 8.82% | 2.38% | 6.45% | 9.72% | 2.34% |
| Q3 2024 | 8.84% | 2.43% | 6.43% | 9.73% | 2.43% |
| Q4 2024 | 8.24% | 2.37% | 5.91% | 8.98% | 2.60% |
| Q1 2025 | 8.14% | 2.22% | 5.96% | 8.91% | 3.16% |
| Q2 2025 | 8.19% | 2.19% | 6.04% | 8.91% | 2.76% |
| Q3 2025 | 8.01% | 1.63% | 6.41% | 8.70% | 3.02% |
| Q4 2025 | 8.18% | 2.25% | 5.99% | 8.92% | 2.92% |
| Q1 2026 | 7.75% | 2.18% | 5.61% | 8.51% | 2.53% |
| Q2 2026 | 7.73% | 2.16% | 5.61% | 8.50% | 3.05% |
Capital 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 Capital 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 Capital Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35278) · FFIEC NIC profile (RSSD 2808602)