Continental 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, Cost of borrowings fell 0.45 percentage points in Q2 2026 to 3.81%, the biggest move on this page. Within Utah, Continental Bank is 23rd of 44 on net interest margin, 4.97% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Continental Bank sits 1.03 points higher, at 4.97% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.04% |
| Yield on loans | 7.89% |
| Yield on securities | 4.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.96% |
| Cost of interest-bearing deposits | 3.45% |
| Cost of interest-bearing liabilities | 3.47% |
| Cost of borrowings | 3.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.97% |
| Yield to cost spread | 3.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $939K |
| Interest expense on deposits | $877K |
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 | 7.36% | 1.64% | 6.02% | 7.80% | 4.83% |
| Q4 2023 | 7.09% | 1.90% | 5.54% | 7.49% | 4.99% |
| Q1 2024 | 8.12% | 1.85% | 6.60% | 8.58% | 5.35% |
| Q2 2024 | 7.40% | 1.94% | 5.77% | 7.76% | 5.27% |
| Q3 2024 | 8.16% | 2.21% | 6.31% | 8.75% | 5.72% |
| Q4 2024 | 7.92% | 2.53% | 5.78% | 8.41% | 5.07% |
| Q1 2025 | 7.42% | 2.82% | 4.95% | 7.95% | 4.72% |
| Q2 2025 | 7.56% | 2.35% | 5.70% | 8.09% | 4.81% |
| Q3 2025 | 7.42% | 2.64% | 5.22% | 8.31% | 4.72% |
| Q4 2025 | 6.74% | 2.19% | 4.65% | 7.52% | 4.61% |
| Q1 2026 | 6.75% | 1.78% | 4.86% | 7.52% | 4.40% |
| Q2 2026 | 7.04% | 1.96% | 4.97% | 7.89% | 4.30% |
Continental 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 Continental 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 Continental Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57571) · FFIEC NIC profile (RSSD 3220863)