Infinity 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 rose 0.21 percentage points from Q1 2026 to Q2 2026, ending at 5.76% against 5.55%. It was the largest change among the key lines on this page. Among 114 California banks, Infinity Bank sits 4th from the top on net interest margin, 5.76% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Infinity Bank sits 1.82 points higher, at 5.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.88% |
| Yield on loans | 8.32% |
| Yield on securities | 1.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 3.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.76% |
| Yield to cost spread | 4.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $940K |
| Interest expense on deposits | $893K |
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 | 7.00% | 1.67% | 5.44% | 9.49% | 1.11% |
| Q4 2023 | 7.08% | 1.73% | 5.50% | 9.00% | 1.11% |
| Q1 2024 | 7.30% | 2.15% | 5.32% | 9.34% | 1.13% |
| Q2 2024 | 7.53% | 2.10% | 5.54% | 9.40% | 1.11% |
| Q3 2024 | 7.56% | 1.99% | 5.73% | 9.35% | 1.13% |
| Q4 2024 | 7.34% | 2.00% | 5.53% | 9.17% | 1.15% |
| Q1 2025 | 7.12% | 1.62% | 5.63% | 8.77% | 1.17% |
| Q2 2025 | 7.22% | 1.51% | 5.84% | 8.93% | 1.20% |
| Q3 2025 | 7.04% | 1.37% | 5.79% | 8.99% | 1.20% |
| Q4 2025 | 6.54% | 1.32% | 5.35% | 8.47% | 1.17% |
| Q1 2026 | 6.67% | 1.26% | 5.55% | 8.47% | 1.20% |
| Q2 2026 | 6.88% | 1.22% | 5.76% | 8.32% | 1.23% |
Infinity 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 Infinity 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 Infinity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59098) · FFIEC NIC profile (RSSD 5193989)