Cogent 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.
Net interest margin rose 0.26 percentage points from Q1 2026 to Q2 2026, ending at 4.84% against 4.58%. It was the largest change among the key lines on this page. Cogent Bank ranks 9th of 79 Florida banks on net interest margin, in the upper half at 4.84% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Cogent Bank sits 1.13 points higher, at 4.84% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.79% |
| Yield on loans | 7.19% |
| Yield on securities | 6.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.99% |
| Cost of interest-bearing liabilities | 2.98% |
| Cost of borrowings | 3.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.84% |
| Yield to cost spread | 3.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $32.8M |
| Total interest expense | $11.9M |
| Interest expense on deposits | $11.8M |
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 | 6.33% | 2.62% | 3.95% | 6.49% | 5.87% |
| Q4 2023 | 6.60% | 2.85% | 4.00% | 6.76% | 6.10% |
| Q1 2024 | 6.66% | 3.01% | 3.90% | 6.83% | 6.26% |
| Q2 2024 | 6.89% | 3.10% | 4.07% | 7.09% | 6.21% |
| Q3 2024 | 6.85% | 3.14% | 3.99% | 7.04% | 6.37% |
| Q4 2024 | 7.07% | 2.77% | 4.55% | 7.28% | 6.37% |
| Q1 2025 | 6.68% | 2.48% | 4.44% | 6.92% | 6.25% |
| Q2 2025 | 6.66% | 2.51% | 4.36% | 6.93% | 6.04% |
| Q3 2025 | 6.83% | 2.56% | 4.50% | 7.14% | 6.23% |
| Q4 2025 | 6.88% | 2.37% | 4.76% | 7.25% | 5.98% |
| Q1 2026 | 6.58% | 2.20% | 4.58% | 6.91% | 5.95% |
| Q2 2026 | 6.79% | 2.16% | 4.84% | 7.19% | 6.12% |
Cogent 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 Cogent 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 Cogent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34908) · FFIEC NIC profile (RSSD 2847142)