Edison 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.
The standout move of Q2 2026 was in Total interest expense: 9.2% higher than in Q1 2026, at $1.3M. Edison National Bank has the 8th lowest net interest margin of the 79 banks headquartered in Florida, at 2.98% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Edison National Bank sits 0.97 points lower, at 2.98% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.17% |
| Yield on loans | 5.21% |
| Yield on securities | 3.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.26% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.72% |
| Cost of borrowings | 1.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.98% |
| Yield to cost spread | 2.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 4.27% | 0.26% | 4.02% | 4.63% | 1.84% |
| Q4 2023 | 4.35% | 0.46% | 3.91% | 4.73% | 1.96% |
| Q1 2024 | 4.39% | 0.71% | 3.72% | 4.75% | 2.10% |
| Q2 2024 | 4.49% | 0.81% | 3.71% | 4.84% | 2.27% |
| Q3 2024 | 4.53% | 0.92% | 3.66% | 4.95% | 2.39% |
| Q4 2024 | 4.39% | 1.01% | 3.44% | 4.90% | 2.52% |
| Q1 2025 | 4.28% | 1.07% | 3.26% | 4.85% | 2.71% |
| Q2 2025 | 4.30% | 1.10% | 3.26% | 4.91% | 2.82% |
| Q3 2025 | 4.36% | 1.18% | 3.26% | 5.06% | 2.89% |
| Q4 2025 | 4.29% | 1.22% | 3.15% | 5.13% | 2.95% |
| Q1 2026 | 4.13% | 1.20% | 2.99% | 5.10% | 3.00% |
| Q2 2026 | 4.17% | 1.26% | 2.98% | 5.21% | 3.16% |
Edison 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 Edison 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 Edison National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34489) · FFIEC NIC profile (RSSD 2594419)