Exchange 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged down 1.6% between Q1 2026 and Q2 2026, to $8.3M. Within California, Exchange Bank is 87th of 114 on net interest margin, 3.27% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Exchange Bank sits 0.44 points lower, at 3.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.38% |
| Yield on loans | 5.89% |
| Yield on securities | 2.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.17% |
| Cost of interest-bearing deposits | 1.63% |
| Cost of interest-bearing liabilities | 1.68% |
| Cost of borrowings | 3.58% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.27% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $25.5M |
| Total interest expense | $8.3M |
| Interest expense on deposits | $7.9M |
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 | 3.54% | 1.08% | 2.63% | 5.31% | 1.85% |
| Q4 2023 | 3.66% | 1.20% | 2.59% | 5.38% | 1.88% |
| Q1 2024 | 3.69% | 1.31% | 2.48% | 5.47% | 1.88% |
| Q2 2024 | 3.80% | 1.39% | 2.51% | 5.60% | 1.88% |
| Q3 2024 | 3.84% | 1.53% | 2.44% | 5.66% | 1.88% |
| Q4 2024 | 3.89% | 1.50% | 2.53% | 5.60% | 1.90% |
| Q1 2025 | 3.86% | 1.33% | 2.65% | 5.61% | 1.91% |
| Q2 2025 | 4.06% | 1.30% | 2.87% | 5.86% | 1.90% |
| Q3 2025 | 4.32% | 1.30% | 3.07% | 5.91% | 2.05% |
| Q4 2025 | 4.30% | 1.27% | 3.10% | 5.85% | 2.07% |
| Q1 2026 | 4.36% | 1.17% | 3.25% | 5.79% | 2.09% |
| Q2 2026 | 4.38% | 1.17% | 3.27% | 5.89% | 2.17% |
Exchange 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 Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8468) · FFIEC NIC profile (RSSD 507068)