Finance Factors, Limited: 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 up 1.5% between Q1 2026 and Q2 2026, to $4.3M. On net interest margin, Finance Factors, Limited is 1st from the bottom among 6 Hawaii banks, 2.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Finance Factors, Limited sits 1.28 points lower, at 2.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.49% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.88% |
| Cost of interest-bearing deposits | 2.77% |
| Cost of interest-bearing liabilities | 2.95% |
| Cost of borrowings | 4.19% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.67% |
| Yield to cost spread | 2.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.0M |
| Total interest expense | $4.3M |
| Interest expense on deposits | $3.6M |
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 | 5.51% | 2.77% | 2.83% |
| Q4 2023 | 5.66% | 3.16% | 2.57% |
| Q1 2024 | 5.67% | 3.34% | 2.43% |
| Q2 2024 | 5.84% | 3.47% | 2.47% |
| Q3 2024 | 5.88% | 3.55% | 2.41% |
| Q4 2024 | 5.88% | 3.60% | 2.34% |
| Q1 2025 | 5.96% | 3.38% | 2.64% |
| Q2 2025 | 5.72% | 3.31% | 2.45% |
| Q3 2025 | 5.79% | 3.26% | 2.60% |
| Q4 2025 | 5.69% | 3.07% | 2.70% |
| Q1 2026 | 5.55% | 2.86% | 2.74% |
| Q2 2026 | 5.49% | 2.88% | 2.67% |
Finance Factors, Limited yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Finance Factors, Limited, 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 Finance Factors, Limited profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25158) · FFIEC NIC profile (RSSD 827560)