Main 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.
Compared with Q1 2026, Net interest margin rose 0.28 percentage points in Q2 2026 to 4.38%, the biggest move on this page. Main Bank ranks 15th of 29 New Mexico banks on net interest margin, in the lower half at 4.38% (Q2 2026). Main Bank reported 4.38% on net interest margin for Q2 2026, 0.43 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 6.85% |
| Yield on securities | 1.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.53% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 4.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $980K |
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 | 4.95% | 1.94% | 3.15% | 5.75% | 1.55% |
| Q4 2023 | 5.11% | 2.13% | 3.17% | 5.94% | 1.49% |
| Q1 2024 | 5.32% | 2.23% | 3.25% | 6.24% | 1.46% |
| Q2 2024 | 5.54% | 2.30% | 3.39% | 6.41% | 1.45% |
| Q3 2024 | 5.60% | 2.36% | 3.46% | 6.45% | 1.46% |
| Q4 2024 | 5.72% | 1.89% | 4.00% | 6.67% | 1.51% |
| Q1 2025 | 5.75% | 2.03% | 3.92% | 6.55% | 1.47% |
| Q2 2025 | 6.00% | 1.91% | 4.28% | 6.71% | 1.40% |
| Q3 2025 | 6.13% | 1.97% | 4.35% | 7.03% | 1.43% |
| Q4 2025 | 6.00% | 2.16% | 4.23% | 7.00% | 1.47% |
| Q1 2026 | 5.80% | 1.90% | 4.10% | 6.77% | 1.43% |
| Q2 2026 | 6.02% | 1.82% | 4.38% | 6.85% | 1.48% |
Main 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 Main 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 Main Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22086) · FFIEC NIC profile (RSSD 430054)