First Credit 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.28 percentage points to 6.72%. Among 114 California banks, First Credit Bank sits 2nd from the top on net interest margin, 6.72% as of Q2 2026. First Credit Bank's net interest margin of 6.72% is well above the 3.94% median for banks in the $100M-1B asset tier, a gap of 2.78 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.46% |
| Yield on loans | 9.17% |
| Yield on securities | 5.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.16% |
| Cost of interest-bearing deposits | 3.39% |
| Cost of interest-bearing liabilities | 3.39% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.72% |
| Yield to cost spread | 5.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.2M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 9.63% | 3.59% | 7.40% | 10.28% | 5.60% |
| Q4 2023 | 10.15% | 3.92% | 7.70% | 10.81% | 5.79% |
| Q1 2024 | 9.36% | 4.11% | 6.75% | 10.06% | 5.60% |
| Q2 2024 | 10.16% | 4.06% | 7.66% | 10.96% | 5.77% |
| Q3 2024 | 10.95% | 4.04% | 8.59% | 11.98% | 5.83% |
| Q4 2024 | 9.40% | 3.73% | 7.30% | 10.25% | 5.55% |
| Q1 2025 | 8.34% | 3.48% | 6.30% | 9.21% | 5.78% |
| Q2 2025 | 8.75% | 3.53% | 6.72% | 9.51% | 5.03% |
| Q3 2025 | 9.37% | 3.44% | 7.46% | 10.42% | 6.94% |
| Q4 2025 | 8.03% | 3.21% | 6.30% | 8.82% | 5.79% |
| Q1 2026 | 8.13% | 3.04% | 6.44% | 8.92% | 5.32% |
| Q2 2026 | 8.46% | 3.16% | 6.72% | 9.17% | 5.48% |
First Credit 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 First Credit 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 First Credit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24332) · FFIEC NIC profile (RSSD 5069)