First Pacific 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 standout move of Q2 2026 was in Total interest expense: 10.5% higher than in Q1 2026, at $2.1M. Within California, First Pacific Bank is 62nd of 114 on net interest margin, 3.70% as of Q2 2026, below the middle of the field. First Pacific Bank reported 3.70% on net interest margin for Q2 2026, 0.25 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 6.60% |
| Yield on securities | 1.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 2.69% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 2.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $1.8M |
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 | 5.29% | 2.13% | 3.32% | 6.65% | 2.05% |
| Q4 2023 | 5.39% | 2.39% | 3.17% | 6.75% | 1.95% |
| Q1 2024 | 5.47% | 2.33% | 3.29% | 6.83% | 1.99% |
| Q2 2024 | 5.50% | 2.27% | 3.39% | 6.96% | 1.90% |
| Q3 2024 | 5.61% | 2.31% | 3.44% | 7.03% | 1.90% |
| Q4 2024 | 5.53% | 2.22% | 3.49% | 6.97% | 1.86% |
| Q1 2025 | 5.36% | 2.08% | 3.41% | 6.69% | 1.82% |
| Q2 2025 | 5.51% | 2.01% | 3.63% | 6.84% | 1.84% |
| Q3 2025 | 5.65% | 2.10% | 3.70% | 6.94% | 1.84% |
| Q4 2025 | 5.53% | 1.97% | 3.64% | 6.79% | 1.88% |
| Q1 2026 | 5.41% | 1.75% | 3.75% | 6.57% | 1.89% |
| Q2 2026 | 5.46% | 1.87% | 3.70% | 6.60% | 1.90% |
First Pacific 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 Pacific 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 Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58218) · FFIEC NIC profile (RSSD 3470930)