Gulf Coast 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.
Net interest margin dropped 0.43 percentage points in Q2 2026, from 4.29% to 3.86%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Gulf Coast Business Bank is 26th of 79 on net interest margin, 3.86% as of Q2 2026, above the middle of the field. At 3.86%, Gulf Coast Business Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.60% |
| Yield on loans | 7.28% |
| Yield on securities | 4.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.11% |
| Cost of interest-bearing deposits | 3.85% |
| Cost of interest-bearing liabilities | 3.85% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 6.45% | 2.36% | 4.68% | 7.61% | 3.94% |
| Q4 2023 | 6.71% | 2.85% | 4.52% | 7.73% | 4.01% |
| Q1 2024 | 6.71% | 3.20% | 4.25% | 7.61% | 3.99% |
| Q2 2024 | 7.01% | 3.33% | 4.38% | 7.74% | 4.04% |
| Q3 2024 | 6.93% | 3.32% | 4.18% | 7.74% | 4.01% |
| Q4 2024 | 6.78% | 3.16% | 4.11% | 7.54% | 4.02% |
| Q1 2025 | 6.58% | 3.02% | 3.92% | 7.33% | 4.03% |
| Q2 2025 | 6.90% | 3.03% | 4.23% | 7.47% | 4.04% |
| Q3 2025 | 7.07% | 3.13% | 4.45% | 7.59% | 3.91% |
| Q4 2025 | 6.69% | 3.30% | 3.87% | 7.17% | 4.04% |
| Q1 2026 | 7.06% | 3.19% | 4.29% | 7.78% | 3.96% |
| Q2 2026 | 6.60% | 3.11% | 3.86% | 7.28% | 4.02% |
Gulf Coast 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 Gulf Coast 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 Gulf Coast Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59281) · FFIEC NIC profile (RSSD 5724226)