Forbright 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 rose 3.1% from Q1 2026 to Q2 2026, ending at $64.4M against $62.5M. It was the largest change among the key lines on this page. Forbright Bank ranks 20th of 27 Maryland banks on net interest margin, in the lower half at 3.26% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Forbright Bank sits 0.45 points lower, at 3.26% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.50% |
| Yield on loans | 7.32% |
| Yield on securities | 4.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.59% |
| Cost of interest-bearing deposits | 3.80% |
| Cost of interest-bearing liabilities | 3.80% |
| Cost of borrowings | 6.72% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $107.6M |
| Total interest expense | $64.4M |
| Interest expense on deposits | $64.4M |
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 | 8.68% | 4.46% | 4.68% | 9.83% | 5.23% |
| Q4 2023 | 8.47% | 4.69% | 4.28% | 9.68% | 5.33% |
| Q1 2024 | 7.89% | 4.61% | 3.74% | 9.41% | 5.25% |
| Q2 2024 | 7.92% | 4.57% | 3.87% | 9.24% | 5.22% |
| Q3 2024 | 7.66% | 4.64% | 3.50% | 9.41% | 5.10% |
| Q4 2024 | 7.28% | 4.28% | 3.46% | 8.74% | 4.94% |
| Q1 2025 | 7.24% | 3.93% | 3.74% | 8.58% | 4.69% |
| Q2 2025 | 7.39% | 3.97% | 3.88% | 8.66% | 4.50% |
| Q3 2025 | 7.76% | 4.03% | 4.15% | 9.05% | 4.52% |
| Q4 2025 | 7.09% | 3.83% | 3.67% | 8.09% | 4.42% |
| Q1 2026 | 6.35% | 3.58% | 3.14% | 7.21% | 4.37% |
| Q2 2026 | 6.50% | 3.59% | 3.26% | 7.32% | 4.48% |
Forbright 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 Forbright 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 Forbright Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57614) · FFIEC NIC profile (RSSD 3187630)