Genesis 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 fell 0.31 percentage points from Q1 2026 to Q2 2026, ending at 3.42% against 3.73%. It was the largest change among the key lines on this page. Within California, Genesis Bank is 79th of 114 on net interest margin, 3.42% as of Q2 2026. Genesis Bank reported 3.42% on net interest margin for Q2 2026, 0.52 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.75% |
| Yield on loans | 5.22% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 2.48% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 2.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 |
|---|---|---|---|---|
| Q3 2023 | 3.98% | 1.94% | 2.71% | 3.99% |
| Q4 2023 | 4.14% | 2.13% | 2.76% | 4.03% |
| Q1 2024 | 4.29% | 2.01% | 2.83% | 3.98% |
| Q2 2024 | 4.39% | 1.99% | 2.84% | 3.89% |
| Q3 2024 | 4.50% | 1.66% | 3.36% | 4.00% |
| Q4 2024 | 4.26% | 1.66% | 3.04% | 4.01% |
| Q1 2025 | 4.10% | 1.58% | 2.88% | 3.92% |
| Q2 2025 | 4.71% | 2.31% | 2.80% | 4.79% |
| Q3 2025 | 5.39% | 2.59% | 3.16% | 5.78% |
| Q4 2025 | 5.49% | 1.73% | 3.93% | 6.13% |
| Q1 2026 | 5.03% | 1.43% | 3.73% | 5.44% |
| Q2 2026 | 4.75% | 1.59% | 3.42% | 5.22% |
Genesis 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 Genesis 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 Genesis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59245) · FFIEC NIC profile (RSSD 5620869)