Intracoastal 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.
Yield on securities rose 0.41 percentage points from Q1 2026 to Q2 2026, ending at 3.10% against 2.69%. It was the largest change among the key lines on this page. Intracoastal Bank ranks 34th of 79 Florida banks on net interest margin, in the upper half at 3.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Intracoastal Bank sits 0.19 points lower, at 3.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.67% |
| Yield on loans | 6.50% |
| Yield on securities | 3.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.45% |
| Cost of borrowings | 4.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.7M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.6M |
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 | 5.07% | 1.67% | 3.44% | 5.82% | 2.50% |
| Q4 2023 | 5.23% | 1.98% | 3.31% | 5.93% | 2.54% |
| Q1 2024 | 5.12% | 2.27% | 2.92% | 5.82% | 2.55% |
| Q2 2024 | 5.28% | 2.33% | 3.03% | 5.95% | 2.58% |
| Q3 2024 | 5.36% | 2.42% | 3.04% | 6.07% | 2.57% |
| Q4 2024 | 5.20% | 2.32% | 3.06% | 6.07% | 2.55% |
| Q1 2025 | 5.13% | 2.08% | 3.21% | 5.98% | 2.49% |
| Q2 2025 | 5.34% | 2.03% | 3.47% | 6.19% | 2.56% |
| Q3 2025 | 5.45% | 2.07% | 3.54% | 6.34% | 2.56% |
| Q4 2025 | 5.51% | 2.09% | 3.57% | 6.39% | 2.50% |
| Q1 2026 | 5.63% | 2.06% | 3.76% | 6.47% | 2.69% |
| Q2 2026 | 5.67% | 2.07% | 3.76% | 6.50% | 3.10% |
Intracoastal 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 Intracoastal 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 Intracoastal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58692) · FFIEC NIC profile (RSSD 3786435)