Industrial 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 Cost of borrowings, which fell 0.68 percentage points to 3.33%. At 3.84%, Industrial 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 | 4.97% |
| Yield on loans | 6.33% |
| Yield on securities | 3.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.45% |
| Cost of interest-bearing liabilities | 1.64% |
| Cost of borrowings | 3.33% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $1.7M |
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 | 4.61% | 0.84% | 3.85% | 6.04% | 2.89% |
| Q4 2023 | 5.03% | 0.96% | 4.15% | 6.71% | 3.02% |
| Q1 2024 | 4.61% | 1.07% | 3.63% | 6.07% | 2.96% |
| Q2 2024 | 4.86% | 1.27% | 3.69% | 6.29% | 2.99% |
| Q3 2024 | 5.17% | 1.47% | 3.82% | 6.73% | 3.03% |
| Q4 2024 | 5.00% | 1.40% | 3.69% | 6.44% | 2.94% |
| Q1 2025 | 4.75% | 1.29% | 3.45% | 5.92% | 3.03% |
| Q2 2025 | 5.35% | 1.39% | 3.95% | 6.36% | 3.03% |
| Q3 2025 | 4.84% | 1.35% | 3.62% | 6.11% | 2.99% |
| Q4 2025 | 4.96% | 1.34% | 3.67% | 6.12% | 3.22% |
| Q1 2026 | 4.74% | 1.29% | 3.60% | 6.17% | 3.15% |
| Q2 2026 | 4.97% | 1.24% | 3.84% | 6.33% | 3.16% |
Industrial 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 Industrial 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 Industrial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14679) · FFIEC NIC profile (RSSD 536527)