Climate First 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.
Compared with Q1 2026, Total interest expense rose 6.3% in Q2 2026 to $14.9M, the biggest move on this page. Climate First Bank ranks 25th of 79 Florida banks on net interest margin, in the upper half at 3.91% (Q2 2026). Climate First Bank reported 3.91% on net interest margin for Q2 2026, 0.20 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.22% |
| Yield on loans | 7.70% |
| Yield on securities | 2.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.63% |
| Cost of interest-bearing deposits | 3.99% |
| Cost of interest-bearing liabilities | 3.89% |
| Cost of borrowings | 3.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $30.7M |
| Total interest expense | $14.9M |
| Interest expense on deposits | $13.9M |
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 | 6.03% | 3.36% | 2.98% | 6.23% | 2.96% |
| Q4 2023 | 6.48% | 3.79% | 3.02% | 6.68% | 2.91% |
| Q1 2024 | 6.64% | 3.98% | 2.96% | 6.90% | 3.07% |
| Q2 2024 | 6.90% | 4.04% | 3.16% | 7.17% | 2.96% |
| Q3 2024 | 7.13% | 4.20% | 3.21% | 7.44% | 2.71% |
| Q4 2024 | 7.13% | 4.09% | 3.35% | 7.52% | 2.75% |
| Q1 2025 | 6.97% | 4.03% | 3.21% | 7.32% | 2.62% |
| Q2 2025 | 7.37% | 3.91% | 3.72% | 7.77% | 2.79% |
| Q3 2025 | 7.50% | 3.92% | 3.84% | 7.93% | 2.72% |
| Q4 2025 | 7.49% | 3.82% | 3.96% | 7.97% | 2.75% |
| Q1 2026 | 7.22% | 3.68% | 3.81% | 7.72% | 2.78% |
| Q2 2026 | 7.22% | 3.63% | 3.91% | 7.70% | 2.60% |
Climate First 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 Climate First 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 Climate First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59257) · FFIEC NIC profile (RSSD 5592340)