Interamerican Bank, a Federal Savings 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 standout move of Q2 2026 was in Cost of borrowings: 8.50 percentage points lower than in Q1 2026, at 3.57%. Within Florida, Interamerican Bank, a Federal Savings Bank is 57th of 79 on net interest margin, 3.45% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Interamerican Bank, a Federal Savings Bank sits 0.50 points lower, at 3.45% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.61% |
| Yield on loans | 6.57% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.41% |
| Cost of interest-bearing deposits | 3.06% |
| Cost of interest-bearing liabilities | 3.04% |
| Cost of borrowings | 3.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.45% |
| Yield to cost spread | 2.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 |
|---|---|---|---|---|
| Q3 2023 | 5.52% | 1.37% | 4.34% | 5.58% |
| Q4 2023 | 5.67% | 1.66% | 4.26% | 5.75% |
| Q1 2024 | 5.70% | 2.00% | 4.00% | 5.80% |
| Q2 2024 | 5.99% | 1.95% | 4.32% | 6.14% |
| Q3 2024 | 6.25% | 2.13% | 4.44% | 6.42% |
| Q4 2024 | 6.18% | 2.45% | 4.11% | 6.45% |
| Q1 2025 | 6.23% | 2.09% | 4.46% | 6.58% |
| Q2 2025 | 6.34% | 2.21% | 4.44% | 6.75% |
| Q3 2025 | 6.57% | 2.25% | 4.62% | 7.17% |
| Q4 2025 | 5.93% | 2.42% | 3.82% | 6.63% |
| Q1 2026 | 5.61% | 2.40% | 3.51% | 6.47% |
| Q2 2026 | 5.61% | 2.41% | 3.45% | 6.57% |
Interamerican Bank, a Federal Savings 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 Interamerican Bank, a Federal Savings 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 Interamerican Bank, a Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31823) · FFIEC NIC profile (RSSD 221775)