Legacy 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 Net interest margin, which rose 0.34 percentage points to 4.20%. Legacy Bank ranks 29th of 114 California banks on net interest margin, in the upper half at 4.20% (Q2 2026). Legacy Bank reported 4.20% on net interest margin for Q2 2026, 0.26 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.79% |
| Yield on loans | 8.27% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.82% |
| Cost of interest-bearing deposits | 4.09% |
| Cost of interest-bearing liabilities | 4.09% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.20% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $742K |
| Interest expense on deposits | $742K |
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 | 6.23% | 3.05% | 4.10% | 7.74% |
| Q4 2023 | 6.97% | 2.92% | 4.80% | 8.33% |
| Q1 2024 | 7.20% | 2.94% | 4.97% | 8.35% |
| Q2 2024 | 7.32% | 3.16% | 4.74% | 8.29% |
| Q3 2024 | 7.72% | 3.10% | 5.15% | 8.41% |
| Q4 2024 | 8.11% | 3.19% | 5.41% | 8.55% |
| Q1 2025 | 7.75% | 3.49% | 4.93% | 8.09% |
| Q2 2025 | 7.75% | 3.68% | 4.61% | 8.28% |
| Q3 2025 | 7.13% | 3.62% | 3.99% | 8.15% |
| Q4 2025 | 7.15% | 3.63% | 3.97% | 8.07% |
| Q1 2026 | 6.80% | 3.21% | 3.86% | 7.98% |
| Q2 2026 | 6.79% | 2.82% | 4.20% | 8.27% |
Legacy 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 Legacy 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 Legacy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59204) · FFIEC NIC profile (RSSD 5755510)