Century Bank of Florida: 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.
Compared with Q1 2026, Net interest margin rose 0.25 percentage points in Q2 2026 to 4.55%, the biggest move on this page. Century Bank of Florida ranks 10th of 79 Florida banks on net interest margin, in the upper half at 4.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Century Bank of Florida sits 0.60 points higher, at 4.55% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | 7.18% |
| Yield on securities | 2.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.31% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | 3.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.55% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $297K |
| Interest expense on deposits | $261K |
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 | 5.63% | 1.70% | 3.98% | 6.76% | 2.01% |
| Q4 2023 | 5.96% | 1.75% | 4.27% | 7.24% | 2.15% |
| Q1 2024 | 5.87% | 1.83% | 4.09% | 7.15% | 2.18% |
| Q2 2024 | 6.18% | 1.82% | 4.41% | 7.66% | 2.37% |
| Q3 2024 | 5.96% | 1.83% | 4.16% | 7.28% | 2.37% |
| Q4 2024 | 5.89% | 1.81% | 4.16% | 7.30% | 2.40% |
| Q1 2025 | 5.68% | 1.55% | 4.17% | 6.98% | 2.51% |
| Q2 2025 | 5.71% | 1.45% | 4.28% | 7.04% | 2.62% |
| Q3 2025 | 5.93% | 1.44% | 4.55% | 7.29% | 2.71% |
| Q4 2025 | 5.89% | 1.41% | 4.55% | 7.25% | 2.68% |
| Q1 2026 | 5.59% | 1.33% | 4.30% | 6.90% | 2.66% |
| Q2 2026 | 5.84% | 1.31% | 4.55% | 7.18% | 2.61% |
Century Bank of Florida yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank of Florida, 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 Century Bank of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35558) · FFIEC NIC profile (RSSD 2939001)