Gbank: 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 6.9% from Q1 2026 to Q2 2026, ending at $9.5M against $8.9M. It was the largest change among the key lines on this page. Within Nevada, Gbank is 7th of 14 on net interest margin, 4.06% as of Q2 2026. Gbank reported 4.06% on net interest margin for Q2 2026, 0.35 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.98% |
| Yield on loans | 7.71% |
| Yield on securities | 4.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.09% |
| Cost of interest-bearing deposits | 3.94% |
| Cost of interest-bearing liabilities | 3.94% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.1M |
| Total interest expense | $9.5M |
| Interest expense on deposits | $9.5M |
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 | 7.74% | 2.20% | 5.90% | 8.80% | 4.09% |
| Q4 2023 | 7.79% | 2.80% | 5.39% | 8.65% | 4.32% |
| Q1 2024 | 7.75% | 3.18% | 4.94% | 8.43% | 4.20% |
| Q2 2024 | 7.78% | 3.26% | 4.90% | 8.29% | 4.83% |
| Q3 2024 | 8.04% | 3.16% | 5.11% | 8.62% | 4.99% |
| Q4 2024 | 7.54% | 3.10% | 4.65% | 8.14% | 4.75% |
| Q1 2025 | 7.14% | 2.96% | 4.48% | 7.77% | 4.72% |
| Q2 2025 | 7.10% | 3.08% | 4.37% | 7.75% | 4.67% |
| Q3 2025 | 7.26% | 3.14% | 4.46% | 7.88% | 4.63% |
| Q4 2025 | 7.23% | 3.17% | 4.37% | 7.75% | 5.08% |
| Q1 2026 | 6.75% | 3.11% | 3.97% | 7.28% | 4.55% |
| Q2 2026 | 6.98% | 3.09% | 4.06% | 7.71% | 4.56% |
Gbank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gbank, 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 Gbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58626) · FFIEC NIC profile (RSSD 3636446)