MainStreet Community Bank of Florida: 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 3.84% against 3.64%. It was the largest change among the key lines on this page. Within Florida, MainStreet Community Bank of Florida is 28th of 79 on net interest margin, 3.84% as of Q2 2026, above the middle of the field. At 3.84%, MainStreet Community Bank of Florida's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.47% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.5M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.9M |
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 |
|---|---|---|---|
| Q3 2023 | 4.41% | 1.36% | 3.14% |
| Q4 2023 | 4.55% | 1.45% | 3.19% |
| Q1 2024 | 4.61% | 1.57% | 3.10% |
| Q2 2024 | 4.68% | 1.68% | 3.08% |
| Q3 2024 | 5.02% | 1.81% | 3.28% |
| Q4 2024 | 5.13% | 1.79% | 3.43% |
| Q1 2025 | 5.12% | 1.78% | 3.42% |
| Q2 2025 | 5.22% | 1.80% | 3.51% |
| Q3 2025 | 5.31% | 1.86% | 3.53% |
| Q4 2025 | 5.22% | 1.84% | 3.48% |
| Q1 2026 | 5.33% | 1.78% | 3.64% |
| Q2 2026 | 5.54% | 1.80% | 3.84% |
MainStreet Community Bank of Florida yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock MainStreet Community Bank of Florida, 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 MainStreet Community Bank of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57598) · FFIEC NIC profile (RSSD 3217957)