DLP 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.
The largest change between Q1 2026 and Q2 2026 was in Cost of interest-bearing deposits, which fell 0.26 percentage points to 1.34%. Among 79 Florida banks, DLP Bank sits 6th from the top on net interest margin, 4.95% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. DLP Bank sits 1.01 points higher, at 4.95% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.80% |
| Yield on loans | 7.94% |
| Yield on securities | 5.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.34% |
| Cost of interest-bearing liabilities | 1.34% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.95% |
| Yield to cost spread | 4.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $536K |
| Interest expense on deposits | $536K |
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 | 6.28% | 0.20% | 6.09% | 7.86% | 5.52% |
| Q4 2023 | 5.91% | 0.22% | 5.71% | 7.02% | 4.29% |
| Q1 2024 | 6.03% | 0.24% | 5.81% | 7.32% | 5.22% |
| Q2 2024 | 6.23% | 0.21% | 6.04% | 7.63% | 5.15% |
| Q3 2024 | 5.67% | 0.21% | 5.47% | 7.68% | 5.14% |
| Q4 2024 | 6.28% | 0.31% | 6.00% | 8.03% | 5.06% |
| Q1 2025 | 5.67% | 0.51% | 5.24% | 7.58% | 5.14% |
| Q2 2025 | 6.52% | 0.46% | 6.10% | 8.63% | 5.22% |
| Q3 2025 | 6.05% | 0.38% | 5.69% | 7.59% | 5.16% |
| Q4 2025 | 3.90% | -0.99% | 3.68% | 5.46% | 3.52% |
| Q1 2026 | 5.93% | 1.00% | 5.03% | 7.97% | 5.07% |
| Q2 2026 | 5.80% | 1.20% | 4.95% | 7.94% | 5.10% |
DLP 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 DLP 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 DLP Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17734) · FFIEC NIC profile (RSSD 853934)