City 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: 1.19 percentage points higher than in Q1 2026, at 6.67%. Within California, City National Bank is 90th of 114 on net interest margin, 3.24% as of Q2 2026, below the middle of the field. City National Bank reported 3.24% on net interest margin for Q2 2026, 0.36 points below the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.83% |
| Yield on loans | 5.28% |
| Yield on securities | 3.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.44% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.49% |
| Cost of borrowings | 6.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.24% |
| Yield to cost spread | 2.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $833.4M |
| Total interest expense | $382.9M |
| Interest expense on deposits | $314.5M |
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 | 4.63% | 1.73% | 2.64% | 5.62% | 1.70% |
| Q4 2023 | 5.35% | 1.73% | 3.36% | 5.84% | 3.47% |
| Q1 2024 | 5.29% | 1.80% | 3.24% | 5.77% | 3.54% |
| Q2 2024 | 5.32% | 1.81% | 3.29% | 5.82% | 3.56% |
| Q3 2024 | 5.44% | 1.83% | 3.38% | 5.95% | 3.68% |
| Q4 2024 | 5.17% | 1.69% | 3.28% | 5.67% | 3.67% |
| Q1 2025 | 5.00% | 1.60% | 3.22% | 5.44% | 3.65% |
| Q2 2025 | 4.98% | 1.59% | 3.21% | 5.39% | 3.71% |
| Q3 2025 | 5.07% | 1.56% | 3.32% | 5.52% | 3.72% |
| Q4 2025 | 4.95% | 1.47% | 3.32% | 5.42% | 3.72% |
| Q1 2026 | 4.76% | 1.46% | 3.15% | 5.22% | 3.60% |
| Q2 2026 | 4.83% | 1.44% | 3.24% | 5.28% | 3.64% |
City 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 City 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 City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17281) · FFIEC NIC profile (RSSD 63069)