FFB 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.
Total interest expense climbed 17.3% in Q2 2026, from $4.1M to $4.8M. It was the largest change from Q1 2026 among the key lines here. Within California, FFB Bank is 15th of 114 on net interest margin, 4.69% as of Q2 2026, above the middle of the field. FFB Bank reported 4.69% on net interest margin for Q2 2026, 0.98 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 6.45% |
| Yield on securities | 3.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.09% |
| Cost of interest-bearing deposits | 3.03% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 4.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.69% |
| Yield to cost spread | 2.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.5M |
| Total interest expense | $4.8M |
| Interest expense on deposits | $4.8M |
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 | 5.92% | 0.52% | 5.29% | 6.60% | 4.22% |
| Q4 2023 | 6.01% | 0.63% | 5.25% | 6.66% | 4.23% |
| Q1 2024 | 6.01% | 0.68% | 5.18% | 6.68% | 4.24% |
| Q2 2024 | 6.24% | 0.78% | 5.32% | 6.89% | 4.30% |
| Q3 2024 | 6.22% | 0.77% | 5.31% | 6.97% | 4.32% |
| Q4 2024 | 6.20% | 0.74% | 5.34% | 7.02% | 4.24% |
| Q1 2025 | 6.15% | 0.66% | 5.35% | 6.76% | 4.15% |
| Q2 2025 | 6.09% | 0.79% | 5.15% | 6.73% | 3.94% |
| Q3 2025 | 6.23% | 0.86% | 5.24% | 6.83% | 3.63% |
| Q4 2025 | 6.13% | 0.90% | 5.11% | 6.77% | 3.61% |
| Q1 2026 | 5.97% | 0.96% | 4.88% | 6.49% | 3.37% |
| Q2 2026 | 5.91% | 1.09% | 4.69% | 6.45% | 3.59% |
FFB 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 FFB 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 FFB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58090) · FFIEC NIC profile (RSSD 3398623)