CTBC Bank Corp. (USA): 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, Net interest margin rose 0.19 percentage points in Q2 2026 to 3.10%, the biggest move on this page. CTBC Bank Corp. (USA) ranks 99th of 114 California banks on net interest margin, in the lower half at 3.10% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. CTBC Bank Corp. (USA) sits 0.61 points lower, at 3.10% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 5.87% |
| Yield on securities | 3.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 3.07% |
| Cost of interest-bearing liabilities | 3.07% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.10% |
| Yield to cost spread | 2.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $64.2M |
| Total interest expense | $31.5M |
| Interest expense on deposits | $31.5M |
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 | 5.58% | 3.25% | 2.71% | 5.79% | 2.65% |
| Q4 2023 | 5.72% | 3.57% | 2.59% | 5.95% | 2.62% |
| Q1 2024 | 5.78% | 3.67% | 2.56% | 6.00% | 2.70% |
| Q2 2024 | 5.88% | 3.72% | 2.57% | 6.12% | 2.72% |
| Q3 2024 | 5.92% | 3.78% | 2.56% | 6.20% | 2.73% |
| Q4 2024 | 5.75% | 3.52% | 2.67% | 5.99% | 2.68% |
| Q1 2025 | 5.64% | 3.21% | 2.84% | 5.96% | 2.83% |
| Q2 2025 | 5.74% | 3.19% | 2.95% | 6.07% | 3.16% |
| Q3 2025 | 5.80% | 3.23% | 2.98% | 6.17% | 3.44% |
| Q4 2025 | 5.65% | 3.06% | 2.98% | 6.03% | 3.58% |
| Q1 2026 | 5.37% | 2.83% | 2.91% | 5.69% | 3.55% |
| Q2 2026 | 5.50% | 2.78% | 3.10% | 5.87% | 3.60% |
CTBC Bank Corp. (USA) yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock CTBC Bank Corp. (USA), 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 CTBC Bank Corp. (USA) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19416) · FFIEC NIC profile (RSSD 996260)