HCN 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.0% to $3.0M. Within California, HCN Bank is 43rd of 114 on net interest margin, 3.95% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; HCN Bank reported 3.95% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.17% |
| Yield on loans | 5.60% |
| Yield on securities | 3.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 3.61% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.8M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $3.0M |
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 | 4.56% | 0.70% | 3.93% | 5.10% | 1.65% |
| Q4 2023 | 4.72% | 0.91% | 3.91% | 5.22% | 1.87% |
| Q1 2024 | 4.77% | 1.04% | 3.81% | 5.15% | 2.31% |
| Q2 2024 | 4.84% | 1.30% | 3.68% | 5.19% | 2.33% |
| Q3 2024 | 5.02% | 1.36% | 3.79% | 5.37% | 2.36% |
| Q4 2024 | 4.94% | 1.34% | 3.75% | 5.37% | 2.53% |
| Q1 2025 | 4.95% | 1.18% | 3.89% | 5.40% | 2.89% |
| Q2 2025 | 4.98% | 1.30% | 3.82% | 5.39% | 3.02% |
| Q3 2025 | 5.11% | 1.38% | 3.88% | 5.49% | 3.19% |
| Q4 2025 | 5.17% | 1.31% | 4.02% | 5.60% | 3.20% |
| Q1 2026 | 5.12% | 1.30% | 3.95% | 5.46% | 3.42% |
| Q2 2026 | 5.17% | 1.36% | 3.95% | 5.60% | 3.45% |
HCN 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 HCN 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 HCN Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21606) · FFIEC NIC profile (RSSD 183668)