Green Dot 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.
Yield on loans climbed 259.91 percentage points in Q2 2026, from 42.43% to 302.34%. It was the largest change from Q1 2026 among the key lines here. Within Utah, Green Dot Bank is 20th of 44 on net interest margin, 5.68% as of Q2 2026. Green Dot Bank's net interest margin of 5.68% is well above the 3.71% median for banks in the $1B-10B asset tier, a gap of 1.97 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.88% |
| Yield on loans | 302.34% |
| Yield on securities | 3.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.19% |
| Cost of interest-bearing deposits | 5.70% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.68% |
| Yield to cost spread | 3.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.4M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.2M |
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 | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.76% | 0.00% | 5.76% | 283.88% | 1.90% |
| Q4 2023 | 6.25% | 0.03% | 6.21% | 224.12% | 1.90% |
| Q1 2024 | 6.07% | 0.14% | 5.92% | 101.19% | 1.89% |
| Q2 2024 | 6.01% | 0.11% | 5.89% | 285.04% | 1.89% |
| Q3 2024 | 6.23% | 0.11% | 6.11% | 267.68% | 1.90% |
| Q4 2024 | 6.09% | 0.10% | 5.98% | 168.88% | 1.86% |
| Q1 2025 | 6.03% | 0.19% | 5.83% | 51.31% | 1.89% |
| Q2 2025 | 6.27% | 0.13% | 6.12% | 241.53% | 1.77% |
| Q3 2025 | 6.15% | 0.12% | 6.02% | 262.43% | 2.41% |
| Q4 2025 | 6.31% | 0.11% | 6.19% | 145.83% | 2.95% |
| Q1 2026 | 6.19% | 0.20% | 5.97% | 42.43% | 2.80% |
| Q2 2026 | 5.88% | 0.19% | 5.68% | 302.34% | 3.06% |
Green Dot 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 Green Dot 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 Green Dot Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22653) · FFIEC NIC profile (RSSD 243375)