Chino Commercial 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.
Compared with Q1 2026, Total interest expense rose 6.2% in Q2 2026 to $1.4M, the biggest move on this page. Chino Commercial Bank, N.A. ranks 42nd of 114 California banks on net interest margin, in the upper half at 4.01% (Q2 2026). At 4.01%, Chino Commercial Bank, N.A.'s net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.05% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 2.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.1M |
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 |
|---|---|---|---|
| Q3 2023 | 4.50% | 1.11% | 3.12% |
| Q4 2023 | 4.61% | 1.21% | 3.12% |
| Q1 2024 | 4.81% | 1.52% | 2.97% |
| Q2 2024 | 4.79% | 1.39% | 3.07% |
| Q3 2024 | 4.96% | 1.41% | 3.22% |
| Q4 2024 | 5.07% | 1.23% | 3.58% |
| Q1 2025 | 4.98% | 1.16% | 3.57% |
| Q2 2025 | 5.07% | 1.08% | 3.77% |
| Q3 2025 | 5.25% | 1.11% | 3.91% |
| Q4 2025 | 5.14% | 1.01% | 3.91% |
| Q1 2026 | 5.38% | 1.00% | 4.16% |
| Q2 2026 | 5.28% | 1.05% | 4.01% |
Chino Commercial 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 Chino Commercial 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 Chino Commercial Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35366) · FFIEC NIC profile (RSSD 2925620)