Crews Bank & Trust: 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 0.13 percentage points from Q1 2026 to Q2 2026, ending at 3.85% against 3.72%. It was the largest change among the key lines on this page. Within Florida, Crews Bank & Trust is 27th of 79 on net interest margin, 3.85% as of Q2 2026. Crews Bank & Trust reported 3.85% on net interest margin for Q2 2026, 0.14 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.11% |
| Yield on loans | 6.07% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.39% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | 2.43% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 2.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.1M |
| Total interest expense | $7.2M |
| Interest expense on deposits | $7.2M |
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 | 10.09% | 1.50% | 8.94% | 9.57% | 6.87% |
| Q4 2023 | 4.78% | 1.02% | 3.85% | 5.29% | 3.39% |
| Q1 2024 | 4.83% | 1.29% | 3.66% | 5.50% | 3.65% |
| Q2 2024 | 4.99% | 1.38% | 3.75% | 5.46% | 3.72% |
| Q3 2024 | 4.95% | 1.46% | 3.64% | 5.58% | 3.76% |
| Q4 2024 | 5.01% | 1.49% | 3.67% | 5.71% | 3.68% |
| Q1 2025 | 4.84% | 1.50% | 3.46% | 5.67% | 3.73% |
| Q2 2025 | 5.06% | 1.53% | 3.67% | 5.78% | 3.86% |
| Q3 2025 | 5.14% | 1.56% | 3.72% | 5.93% | 3.90% |
| Q4 2025 | 5.09% | 1.48% | 3.74% | 6.01% | 3.90% |
| Q1 2026 | 4.97% | 1.37% | 3.72% | 5.93% | 3.87% |
| Q2 2026 | 5.11% | 1.39% | 3.85% | 6.07% | 3.90% |
Crews Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Crews Bank & Trust, 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 Crews Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8021) · FFIEC NIC profile (RSSD 200435)