Evertrust 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.
Yield on securities rose 0.38 percentage points from Q1 2026 to Q2 2026, ending at 2.50% against 2.12%. It was the largest change among the key lines on this page. Within California, Evertrust Bank is 74th of 114 on net interest margin, 3.54% as of Q2 2026. Evertrust Bank reported 3.54% on net interest margin for Q2 2026, 0.17 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.40% |
| Yield on securities | 2.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.69% |
| Cost of interest-bearing deposits | 3.21% |
| Cost of interest-bearing liabilities | 3.21% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.54% |
| Yield to cost spread | 2.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.1M |
| Total interest expense | $5.7M |
| Interest expense on deposits | $5.7M |
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 | 6.36% | 2.62% | 4.35% | 7.38% | 1.40% |
| Q4 2023 | 6.20% | 2.91% | 3.98% | 7.06% | 1.48% |
| Q1 2024 | 6.29% | 3.26% | 3.80% | 7.08% | 1.57% |
| Q2 2024 | 6.54% | 3.37% | 3.92% | 7.35% | 1.71% |
| Q3 2024 | 6.67% | 3.45% | 4.09% | 7.48% | 1.89% |
| Q4 2024 | 6.30% | 3.38% | 3.78% | 7.06% | 1.99% |
| Q1 2025 | 5.92% | 3.06% | 3.68% | 6.72% | 1.92% |
| Q2 2025 | 6.17% | 2.84% | 3.98% | 6.78% | 2.04% |
| Q3 2025 | 6.25% | 2.90% | 3.95% | 6.88% | 1.64% |
| Q4 2025 | 6.01% | 2.93% | 3.62% | 6.66% | 1.65% |
| Q1 2026 | 5.76% | 2.73% | 3.58% | 6.31% | 2.12% |
| Q2 2026 | 5.75% | 2.69% | 3.54% | 6.40% | 2.50% |
Evertrust 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 Evertrust 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 Evertrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34010) · FFIEC NIC profile (RSSD 2297998)