Founders 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 Yield on securities, which rose 0.58 percentage points to 3.83%. At 4.04%, Founders Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 6.39% |
| Yield on securities | 3.83% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.29% |
| Cost of interest-bearing deposits | 3.05% |
| Cost of interest-bearing liabilities | 2.98% |
| Cost of borrowings | 2.50% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.2M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 5.52% | 2.40% | 3.59% | 5.94% | 1.14% |
| Q4 2023 | 5.68% | 2.58% | 3.54% | 6.08% | 1.13% |
| Q1 2024 | 5.68% | 2.86% | 3.31% | 6.09% | 1.16% |
| Q2 2024 | 5.76% | 2.91% | 3.36% | 6.19% | 1.12% |
| Q3 2024 | 5.88% | 2.97% | 3.40% | 6.32% | 1.12% |
| Q4 2024 | 5.76% | 2.64% | 3.54% | 6.23% | 1.15% |
| Q1 2025 | 5.80% | 2.60% | 3.56% | 6.15% | 1.23% |
| Q2 2025 | 5.90% | 2.66% | 3.62% | 6.27% | 1.21% |
| Q3 2025 | 6.04% | 2.56% | 3.87% | 6.50% | 1.60% |
| Q4 2025 | 5.81% | 2.42% | 3.75% | 6.20% | 2.57% |
| Q1 2026 | 5.89% | 2.31% | 3.91% | 6.28% | 3.25% |
| Q2 2026 | 6.02% | 2.29% | 4.04% | 6.39% | 3.83% |
Founders 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 Founders 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 Founders Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59193) · FFIEC NIC profile (RSSD 5398355)