Franklin 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.
Net interest margin rose 0.23 percentage points from Q1 2026 to Q2 2026, ending at 3.81% against 3.58%. It was the largest change among the key lines on this page. Within New Jersey, Franklin Bank is 10th of 49 on net interest margin, 3.81% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Franklin Bank sits 0.13 points lower, at 3.81% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.59% |
| Yield on loans | 5.40% |
| Yield on securities | 2.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.83% |
| Cost of interest-bearing deposits | 0.96% |
| Cost of interest-bearing liabilities | 0.96% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $635K |
| Interest expense on deposits | $635K |
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 | 3.86% | 0.27% | 3.61% | 4.56% | 1.96% |
| Q4 2023 | 4.10% | 0.44% | 3.68% | 4.78% | 1.96% |
| Q1 2024 | 4.07% | 0.62% | 3.48% | 4.91% | 1.94% |
| Q2 2024 | 4.30% | 0.73% | 3.61% | 5.04% | 1.91% |
| Q3 2024 | 4.28% | 0.87% | 3.45% | 5.13% | 1.91% |
| Q4 2024 | 4.30% | 1.03% | 3.34% | 5.09% | 1.90% |
| Q1 2025 | 4.24% | 1.02% | 3.28% | 5.13% | 1.89% |
| Q2 2025 | 4.40% | 0.97% | 3.50% | 5.20% | 1.87% |
| Q3 2025 | 4.50% | 0.99% | 3.58% | 5.42% | 1.88% |
| Q4 2025 | 4.41% | 0.99% | 3.52% | 5.14% | 1.98% |
| Q1 2026 | 4.38% | 0.85% | 3.58% | 5.29% | 1.99% |
| Q2 2026 | 4.59% | 0.83% | 3.81% | 5.40% | 2.08% |
Franklin 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 Franklin 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 Franklin Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30402) · FFIEC NIC profile (RSSD 574079)