Coastal Community 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 Net interest margin: 0.48 percentage points higher than in Q1 2026, at 7.42%. As of Q2 2026, Coastal Community Bank ranks first in Washington on net interest margin among 29 banks, at 7.42%. Against a median of 3.71% for banks in the $1B-10B asset tier, Coastal Community Bank reported 7.42% on net interest margin in Q2 2026, 3.71 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 9.81% |
| Yield on loans | 10.94% |
| Yield on securities | 5.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.58% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 7.42% |
| Yield to cost spread | 7.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $111.1M |
| Total interest expense | $28.9M |
| Interest expense on deposits | $28.4M |
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 | 10.17% | 2.79% | 7.24% | 10.93% | 2.59% |
| Q4 2023 | 9.87% | 3.38% | 6.74% | 10.79% | 3.27% |
| Q1 2024 | 10.02% | 3.46% | 6.83% | 10.79% | 3.59% |
| Q2 2024 | 10.45% | 3.55% | 7.17% | 11.17% | 5.50% |
| Q3 2024 | 10.86% | 3.61% | 7.53% | 11.50% | 5.51% |
| Q4 2024 | 9.72% | 3.22% | 6.76% | 10.49% | 5.49% |
| Q1 2025 | 10.18% | 3.01% | 7.45% | 11.18% | 5.51% |
| Q2 2025 | 9.91% | 3.09% | 7.08% | 11.08% | 5.41% |
| Q3 2025 | 9.89% | 3.09% | 7.09% | 11.04% | 5.47% |
| Q4 2025 | 9.64% | 2.78% | 7.12% | 10.72% | 5.47% |
| Q1 2026 | 9.26% | 2.53% | 6.94% | 10.61% | 5.24% |
| Q2 2026 | 9.81% | 2.58% | 7.42% | 10.94% | 5.35% |
Coastal Community 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 Coastal Community 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 Coastal Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34403) · FFIEC NIC profile (RSSD 2562164)