Eastern National 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.
Compared with Q1 2026, Cost of interest-bearing liabilities fell 0.36 percentage points in Q2 2026 to 1.00%, the biggest move on this page. Within Florida, Eastern National Bank is 13th of 79 on net interest margin, 4.48% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Eastern National Bank sits 0.60 points higher, at 4.48% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.17% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.72% |
| Cost of interest-bearing deposits | 1.01% |
| Cost of interest-bearing liabilities | 1.00% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.48% |
| Yield to cost spread | 4.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $682K |
| Total interest expense | $110K |
| Interest expense on deposits | $110K |
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 |
|---|---|---|---|
| Q3 2023 | 5.26% | 2.73% | 2.77% |
| Q4 2023 | 5.28% | 2.81% | 2.74% |
| Q1 2024 | 5.35% | 2.84% | 2.68% |
| Q2 2024 | 6.06% | 2.83% | 3.41% |
| Q3 2024 | 5.61% | 2.78% | 3.12% |
| Q4 2024 | 5.56% | 2.64% | 3.20% |
| Q1 2025 | 6.43% | 2.04% | 4.55% |
| Q2 2025 | 6.02% | 1.67% | 4.48% |
| Q3 2025 | 5.61% | 1.54% | 4.21% |
| Q4 2025 | 5.31% | 1.29% | 4.12% |
| Q1 2026 | 5.27% | 1.00% | 4.32% |
| Q2 2026 | 5.17% | 0.72% | 4.48% |
Eastern National 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 Eastern National 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 Eastern National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20026) · FFIEC NIC profile (RSSD 171133)