Central 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.
Total interest expense climbed 9.8% in Q2 2026, from $8.4M to $9.2M. It was the largest change from Q1 2026 among the key lines here. Central Bank ranks 27th of 44 Utah banks on net interest margin, in the lower half at 4.79% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Central Bank sits 1.08 points higher, at 4.79% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.54% |
| Yield on loans | 8.29% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 2.92% |
| Cost of borrowings | 0.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.79% |
| Yield to cost spread | 3.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $28.6M |
| Total interest expense | $9.2M |
| Interest expense on deposits | $9.2M |
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 | 5.25% | 1.59% | 3.84% | 8.13% | 1.54% |
| Q4 2023 | 5.53% | 1.76% | 3.97% | 8.28% | 1.61% |
| Q1 2024 | 5.69% | 2.01% | 3.92% | 8.31% | 1.70% |
| Q2 2024 | 5.87% | 2.01% | 4.10% | 8.32% | 1.87% |
| Q3 2024 | 6.20% | 2.03% | 4.39% | 8.69% | 1.95% |
| Q4 2024 | 6.26% | 2.05% | 4.49% | 8.42% | 2.07% |
| Q1 2025 | 6.26% | 1.95% | 4.58% | 8.21% | 2.20% |
| Q2 2025 | 6.50% | 1.91% | 4.82% | 8.43% | 2.37% |
| Q3 2025 | 6.59% | 1.94% | 4.91% | 8.41% | 2.52% |
| Q4 2025 | 6.64% | 1.95% | 4.98% | 8.42% | 2.69% |
| Q1 2026 | 6.45% | 1.89% | 4.82% | 8.20% | 2.87% |
| Q2 2026 | 6.54% | 2.02% | 4.79% | 8.29% | 3.01% |
Central 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 Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9204) · FFIEC NIC profile (RSSD 622774)