CFG 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: 3.68 percentage points higher than in Q1 2026, at 3.68%. Within Maryland, CFG Bank is 14th of 27 on net interest margin, 3.73% as of Q2 2026. At 3.73%, CFG Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.69% |
| Yield on loans | 7.55% |
| Yield on securities | 5.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.34% |
| Cost of interest-bearing deposits | 3.80% |
| Cost of interest-bearing liabilities | 3.71% |
| Cost of borrowings | 3.68% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 2.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $76.0M |
| Total interest expense | $42.8M |
| Interest expense on deposits | $42.6M |
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 | 8.86% | 3.74% | 5.35% | 9.67% | 8.00% |
| Q4 2023 | 9.46% | 3.81% | 5.77% | 10.15% | 9.04% |
| Q1 2024 | 8.62% | 3.84% | 5.03% | 9.51% | 6.90% |
| Q2 2024 | 8.47% | 3.98% | 4.79% | 9.26% | 6.78% |
| Q3 2024 | 8.47% | 4.09% | 4.70% | 9.47% | 6.33% |
| Q4 2024 | 7.54% | 3.92% | 3.93% | 8.46% | 5.28% |
| Q1 2025 | 7.46% | 3.70% | 4.04% | 8.32% | 6.01% |
| Q2 2025 | 7.84% | 3.62% | 4.47% | 8.49% | 6.85% |
| Q3 2025 | 7.39% | 3.60% | 4.07% | 8.30% | 5.58% |
| Q4 2025 | 7.29% | 3.47% | 4.08% | 8.19% | 5.45% |
| Q1 2026 | 6.95% | 3.33% | 3.90% | 7.85% | 5.19% |
| Q2 2026 | 6.69% | 3.34% | 3.73% | 7.55% | 5.25% |
CFG 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 CFG 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 CFG Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34294) · FFIEC NIC profile (RSSD 2471239)