EagleBank: 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 Total interest expense, which fell 5.9% to $62.3M. EagleBank ranks 24th of 27 Maryland banks on net interest margin, in the lower half at 2.61% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. EagleBank sits 1.10 points lower, at 2.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.12% |
| Yield on loans | 6.23% |
| Yield on securities | 1.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.36% |
| Cost of interest-bearing deposits | 3.59% |
| Cost of interest-bearing liabilities | 3.61% |
| Cost of borrowings | 4.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.61% |
| Yield to cost spread | 1.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $106.8M |
| Total interest expense | $62.3M |
| Interest expense on deposits | $61.6M |
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 | 5.49% | 2.85% | 2.44% | 6.80% | 1.82% |
| Q4 2023 | 5.56% | 2.81% | 2.45% | 6.85% | 1.83% |
| Q1 2024 | 5.60% | 2.96% | 2.40% | 6.92% | 1.81% |
| Q2 2024 | 5.58% | 3.09% | 2.36% | 6.87% | 1.80% |
| Q3 2024 | 5.69% | 3.21% | 2.36% | 6.96% | 1.79% |
| Q4 2024 | 5.41% | 3.01% | 2.32% | 6.67% | 1.81% |
| Q1 2025 | 5.24% | 2.87% | 2.30% | 6.38% | 1.83% |
| Q2 2025 | 5.19% | 2.74% | 2.37% | 6.28% | 1.85% |
| Q3 2025 | 5.33% | 2.74% | 2.48% | 6.45% | 1.87% |
| Q4 2025 | 5.33% | 2.66% | 2.49% | 6.53% | 1.90% |
| Q1 2026 | 5.07% | 2.42% | 2.53% | 6.21% | 1.93% |
| Q2 2026 | 5.12% | 2.36% | 2.61% | 6.23% | 1.95% |
EagleBank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock EagleBank, 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 EagleBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34742) · FFIEC NIC profile (RSSD 2652092)