Gainey Business 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, Yield on earning assets fell 0.28 percentage points in Q2 2026 to 7.08%, the biggest move on this page. On net interest margin, Gainey Business Bank ranks 3rd highest among the 12 banks headquartered in Arizona, at 4.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Gainey Business Bank sits 0.60 points higher, at 4.55% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.08% |
| Yield on loans | 7.42% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.73% |
| Cost of interest-bearing deposits | 2.99% |
| Cost of interest-bearing liabilities | 2.95% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.55% |
| Yield to cost spread | 4.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $661K |
| Interest expense on deposits | $660K |
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 | 5.96% | 2.22% | 4.76% | 6.44% | 3.51% |
| Q4 2023 | 6.65% | 3.17% | 4.60% | 8.28% | 3.36% |
| Q1 2024 | 6.43% | 3.67% | 3.79% | 7.20% | 3.65% |
| Q2 2024 | 7.26% | 3.78% | 4.48% | 7.53% | 3.33% |
| Q3 2024 | 7.35% | 3.59% | 4.63% | 7.68% | — |
| Q4 2024 | 6.91% | 3.12% | 4.58% | 7.12% | — |
| Q1 2025 | 7.26% | 3.67% | 4.48% | 7.40% | — |
| Q2 2025 | 7.06% | 2.87% | 4.36% | 7.42% | — |
| Q3 2025 | 6.94% | 2.53% | 4.45% | 7.39% | — |
| Q4 2025 | 6.86% | 2.68% | 4.20% | 7.52% | — |
| Q1 2026 | 7.36% | 2.77% | 4.51% | 7.66% | — |
| Q2 2026 | 7.08% | 2.73% | 4.55% | 7.42% | — |
Gainey Business 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 Gainey Business 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 Gainey Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59273) · FFIEC NIC profile (RSSD 5758445)