Column 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.
Cost of interest-bearing deposits dropped 3.34 percentage points in Q2 2026, from 7.49% to 4.15%. It was the largest change from Q1 2026 among the key lines here. Column N.A. reported 5.38% on net interest margin for Q2 2026, 1.67 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.23% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 4.15% |
| Cost of interest-bearing liabilities | 4.15% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.38% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.0M |
| Total interest expense | $9.1M |
| Interest expense on deposits | $9.1M |
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 | 4.48% | 1.13% | 3.44% |
| Q4 2023 | 4.67% | 1.28% | 3.53% |
| Q1 2024 | 4.80% | 0.98% | 3.92% |
| Q2 2024 | 4.87% | 1.15% | 3.77% |
| Q3 2024 | 5.52% | 1.27% | 4.33% |
| Q4 2024 | 5.17% | 1.72% | 3.34% |
| Q1 2025 | 8.01% | 1.52% | 6.43% |
| Q2 2025 | 16.58% | 2.09% | 14.43% |
| Q3 2025 | 9.82% | 2.80% | 7.28% |
| Q4 2025 | 7.57% | 2.26% | 5.23% |
| Q1 2026 | 7.41% | 2.11% | 5.20% |
| Q2 2026 | 7.23% | 2.18% | 5.38% |
Column 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 Column 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 Column N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58224) · FFIEC NIC profile (RSSD 3435948)