Hatch 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 fell 0.72 percentage points from Q1 2026 to Q2 2026, ending at 8.92% against 9.64%. It was the largest change among the key lines on this page. On net interest margin, Hatch Bank ranks 10th highest among the 114 banks headquartered in California, at 5.06% (Q2 2026). Hatch Bank reported 5.06% on net interest margin for Q2 2026, 1.12 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.07% |
| Yield on loans | 8.92% |
| Yield on securities | 2.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.74% |
| Cost of interest-bearing deposits | 4.14% |
| Cost of interest-bearing liabilities | 2.81% |
| Cost of borrowings | 2.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.06% |
| Yield to cost spread | 4.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $938K |
| Interest expense on deposits | $508K |
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 | 4.87% | 4.21% | 1.33% | 5.51% | 2.00% |
| Q4 2023 | 4.44% | 4.71% | 0.65% | 5.00% | 2.07% |
| Q1 2024 | 4.68% | 4.24% | 1.41% | 5.42% | 2.08% |
| Q2 2024 | 4.83% | 3.80% | 1.92% | 5.54% | 2.10% |
| Q3 2024 | 6.27% | 3.46% | 3.86% | 8.08% | 1.99% |
| Q4 2024 | 5.71% | 3.32% | 3.54% | 7.38% | 1.91% |
| Q1 2025 | 6.60% | 3.03% | 4.60% | 8.65% | 2.10% |
| Q2 2025 | 7.52% | 2.88% | 5.50% | 10.00% | 2.44% |
| Q3 2025 | 8.08% | 3.24% | 5.80% | 11.85% | 2.25% |
| Q4 2025 | 6.26% | 2.95% | 3.85% | 8.92% | 2.35% |
| Q1 2026 | 7.22% | 2.65% | 5.29% | 9.64% | 2.29% |
| Q2 2026 | 7.07% | 2.74% | 5.06% | 8.92% | 2.97% |
Hatch 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 Hatch 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 Hatch Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25803) · FFIEC NIC profile (RSSD 733661)