Icon 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.
Compared with Q1 2026, Cost of borrowings rose 0.51 percentage points in Q2 2026 to 4.20%, the biggest move on this page. Icon Business Bank ranks 27th of 114 California banks on net interest margin, in the upper half at 4.27% (Q2 2026). Icon Business Bank reported 4.27% on net interest margin for Q2 2026, 0.32 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.72% |
| Yield on loans | 7.34% |
| Yield on securities | 4.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.63% |
| Cost of interest-bearing deposits | 3.63% |
| Cost of interest-bearing liabilities | 3.49% |
| Cost of borrowings | 4.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $915K |
| Interest expense on deposits | $888K |
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 | — | — | — | 10.26% | 0.00% |
| Q4 2023 | 6.59% | 3.96% | 5.48% | 9.58% | 5.52% |
| Q1 2024 | 7.03% | 4.06% | 5.17% | 8.65% | 5.12% |
| Q2 2024 | 7.40% | 3.70% | 4.73% | 8.74% | 5.61% |
| Q3 2024 | 7.37% | 3.97% | 4.21% | 8.41% | 5.35% |
| Q4 2024 | 7.95% | 3.89% | 4.55% | 8.74% | 9.58% |
| Q1 2025 | 7.18% | 3.82% | 3.89% | 8.33% | 5.37% |
| Q2 2025 | 7.02% | 3.61% | 3.60% | 8.37% | 5.10% |
| Q3 2025 | 7.34% | 3.46% | 3.97% | 8.13% | 5.30% |
| Q4 2025 | 7.24% | 3.18% | 4.34% | 7.92% | 4.99% |
| Q1 2026 | 7.06% | 2.72% | 4.44% | 7.69% | 4.70% |
| Q2 2026 | 6.72% | 2.63% | 4.27% | 7.34% | 4.85% |
Icon 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 Icon 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 Icon Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59314) · FFIEC NIC profile (RSSD 5805228)