Flagship 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.
Compared with Q1 2026, Total interest expense rose 5.8% in Q2 2026 to $3.6M, the biggest move on this page. Within Florida, Flagship Bank is 50th of 79 on net interest margin, 3.51% as of Q2 2026. Flagship Bank reported 3.51% on net interest margin for Q2 2026, 0.43 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | 5.89% |
| Yield on securities | 3.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.19% |
| Cost of interest-bearing deposits | 3.05% |
| Cost of interest-bearing liabilities | 2.98% |
| Cost of borrowings | 4.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.8M |
| Total interest expense | $3.6M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.33% | 2.26% | 3.28% | 5.37% | 3.76% |
| Q4 2023 | 5.51% | 2.52% | 3.19% | 5.58% | 4.23% |
| Q1 2024 | 5.47% | 2.60% | 3.12% | 5.55% | 4.35% |
| Q2 2024 | 5.57% | 2.45% | 3.39% | 5.65% | 4.64% |
| Q3 2024 | 5.75% | 2.48% | 3.52% | 5.84% | 5.00% |
| Q4 2024 | 5.54% | 2.26% | 3.55% | 5.68% | 5.01% |
| Q1 2025 | 5.32% | 2.18% | 3.37% | 5.53% | 4.91% |
| Q2 2025 | 5.47% | 2.19% | 3.53% | 5.68% | 4.89% |
| Q3 2025 | 5.64% | 2.28% | 3.61% | 5.89% | 4.95% |
| Q4 2025 | 5.58% | 2.31% | 3.54% | 5.91% | 5.03% |
| Q1 2026 | 5.36% | 2.17% | 3.42% | 5.74% | 3.92% |
| Q2 2026 | 5.47% | 2.19% | 3.51% | 5.89% | 3.59% |
Flagship 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 Flagship 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 Flagship Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58113) · FFIEC NIC profile (RSSD 3404999)