Capitol National 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 Cost of borrowings: 4.00 percentage points lower than in Q1 2026, at 0.00%. On net interest margin, Capitol National Bank ranks 2nd highest among the 72 banks headquartered in Michigan, at 5.23% (Q2 2026). Capitol National Bank reported 5.23% on net interest margin for Q2 2026, 1.28 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.23% |
| Yield on loans | 6.75% |
| Yield on securities | 3.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.28% |
| Cost of interest-bearing deposits | 1.63% |
| Cost of interest-bearing liabilities | 1.57% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.23% |
| Yield to cost spread | 4.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $489K |
| Interest expense on deposits | $489K |
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 | 6.64% | 1.24% | 5.56% | 7.23% | 4.01% |
| Q4 2023 | 6.64% | 1.17% | 5.66% | 7.19% | 4.50% |
| Q1 2024 | 6.93% | 1.29% | 5.82% | 7.60% | 4.60% |
| Q2 2024 | 6.71% | 1.33% | 5.57% | 7.17% | 4.71% |
| Q3 2024 | 6.59% | 1.31% | 5.48% | 7.22% | 4.72% |
| Q4 2024 | 6.55% | 1.20% | 5.52% | 7.08% | 4.17% |
| Q1 2025 | 6.39% | 1.25% | 5.31% | 6.95% | 4.40% |
| Q2 2025 | 6.43% | 1.33% | 5.46% | 7.07% | 4.29% |
| Q3 2025 | 6.32% | 1.32% | 5.22% | 7.20% | 4.04% |
| Q4 2025 | 6.32% | 1.22% | 5.29% | 6.97% | 3.97% |
| Q1 2026 | 6.08% | 1.47% | 5.02% | 6.77% | 3.76% |
| Q2 2026 | 6.23% | 1.28% | 5.23% | 6.75% | 3.43% |
Capitol National 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 Capitol National 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 Capitol National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24199) · FFIEC NIC profile (RSSD 285544)