Golden State 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.
Total interest expense rose 3.0% from Q1 2026 to Q2 2026, ending at $6.8M against $6.6M. It was the largest change among the key lines on this page. Within California, Golden State Bank is 29th of 114 on net interest margin, 4.20% as of Q2 2026, above the middle of the field. Golden State Bank reported 4.20% on net interest margin for Q2 2026, 0.49 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.99% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.03% |
| Cost of interest-bearing deposits | 3.68% |
| Cost of interest-bearing liabilities | 3.69% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.20% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.9M |
| Total interest expense | $6.8M |
| Interest expense on deposits | $6.6M |
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 |
|---|---|---|---|
| Q3 2023 | 6.29% | 2.80% | 3.78% |
| Q4 2023 | 6.66% | 3.41% | 3.72% |
| Q1 2024 | 6.74% | 3.56% | 3.66% |
| Q2 2024 | 6.90% | 3.52% | 3.73% |
| Q3 2024 | 7.10% | 3.65% | 3.81% |
| Q4 2024 | 6.97% | 3.49% | 3.86% |
| Q1 2025 | 6.94% | 3.34% | 3.93% |
| Q2 2025 | 7.02% | 3.38% | 3.98% |
| Q3 2025 | 6.97% | 3.41% | 3.90% |
| Q4 2025 | 6.94% | 3.24% | 4.09% |
| Q1 2026 | 6.84% | 3.02% | 4.15% |
| Q2 2026 | 6.99% | 3.03% | 4.20% |
Golden State 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 Golden State 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 Golden State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57585) · FFIEC NIC profile (RSSD 3224375)