International Finance 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 Total interest expense: 8.0% higher than in Q1 2026, at $7.4M. International Finance Bank ranks 50th of 79 Florida banks on net interest margin, in the lower half at 3.51% (Q2 2026). International Finance Bank reported 3.51% on net interest margin for Q2 2026, 0.20 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 5.76% |
| Yield on securities | 3.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 3.52% |
| Cost of interest-bearing liabilities | 3.53% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 1.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.7M |
| Total interest expense | $7.4M |
| Interest expense on deposits | $7.4M |
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 | 5.33% | 1.16% | 4.30% | 5.54% | 2.60% |
| Q4 2023 | 5.38% | 1.45% | 4.08% | 5.59% | 2.84% |
| Q1 2024 | 5.46% | 1.68% | 3.94% | 5.69% | 2.92% |
| Q2 2024 | 5.61% | 1.71% | 4.07% | 5.80% | 3.37% |
| Q3 2024 | 5.62% | 1.82% | 3.87% | 5.77% | 3.55% |
| Q4 2024 | 5.61% | 1.76% | 3.90% | 5.81% | 3.45% |
| Q1 2025 | 5.44% | 1.91% | 3.65% | 5.69% | 3.61% |
| Q2 2025 | 5.55% | 1.94% | 3.78% | 5.83% | 3.44% |
| Q3 2025 | 5.57% | 2.08% | 3.71% | 5.84% | 3.31% |
| Q4 2025 | 5.59% | 2.00% | 3.74% | 5.89% | 3.13% |
| Q1 2026 | 5.36% | 1.97% | 3.56% | 5.71% | 3.26% |
| Q2 2026 | 5.39% | 2.07% | 3.51% | 5.76% | 3.38% |
International Finance 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 International Finance 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 International Finance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24823) · FFIEC NIC profile (RSSD 867632)