Desjardins Bank, 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.
Net interest margin fell 0.16 percentage points from Q1 2026 to Q2 2026, ending at 4.55% against 4.71%. It was the largest change among the key lines on this page. Desjardins Bank, N.A. ranks 10th of 79 Florida banks on net interest margin, in the upper half at 4.55% (Q2 2026). Desjardins Bank, N.A. reported 4.55% on net interest margin for Q2 2026, 0.60 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.10% |
| Yield on loans | 5.48% |
| Yield on securities | 2.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.64% |
| Cost of interest-bearing deposits | 2.72% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.55% |
| Yield to cost spread | 2.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $465K |
| Interest expense on deposits | $465K |
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 | 4.79% | 0.65% | 4.21% | 4.98% | 2.28% |
| Q4 2023 | 4.87% | 0.61% | 4.35% | 5.11% | 2.24% |
| Q1 2024 | 4.98% | 0.75% | 4.34% | 5.23% | 2.30% |
| Q2 2024 | 5.07% | 0.97% | 4.24% | 5.33% | 2.26% |
| Q3 2024 | 5.26% | 0.87% | 4.53% | 5.50% | 2.26% |
| Q4 2024 | 5.27% | 0.67% | 4.70% | 5.56% | 2.23% |
| Q1 2025 | 5.21% | 0.83% | 4.50% | 5.52% | 2.24% |
| Q2 2025 | 5.18% | 0.97% | 4.35% | 5.47% | 2.25% |
| Q3 2025 | 5.21% | 0.67% | 4.67% | 5.47% | 2.21% |
| Q4 2025 | 5.16% | 0.61% | 4.64% | 5.46% | 2.23% |
| Q1 2026 | 5.19% | 0.57% | 4.71% | 5.40% | 2.23% |
| Q2 2026 | 5.10% | 0.64% | 4.55% | 5.48% | 2.20% |
Desjardins Bank, 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 Desjardins Bank, 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 Desjardins Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33565) · FFIEC NIC profile (RSSD 1940747)