Malaga Bank, FSB: 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 Total interest expense, which rose 5.4% to $6.2M. Malaga Bank, FSB ranks 84th of 114 California banks on net interest margin, in the lower half at 3.33% (Q2 2026). Malaga Bank, FSB reported 3.33% on net interest margin for Q2 2026, 0.38 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.06% |
| Yield on loans | 5.22% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | 3.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.33% |
| Yield to cost spread | 2.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.1M |
| Total interest expense | $6.2M |
| 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 | Loans |
|---|---|---|---|---|
| Q3 2023 | 4.61% | 1.78% | 3.06% | 4.43% |
| Q4 2023 | 4.78% | 1.87% | 3.16% | 4.64% |
| Q1 2024 | 4.80% | 1.90% | 3.17% | 4.69% |
| Q2 2024 | 4.89% | 1.94% | 3.23% | 4.79% |
| Q3 2024 | 4.95% | 1.98% | 3.26% | 4.86% |
| Q4 2024 | 4.94% | 1.95% | 3.27% | 4.93% |
| Q1 2025 | 4.95% | 1.89% | 3.34% | 4.98% |
| Q2 2025 | 5.04% | 1.99% | 3.35% | 5.07% |
| Q3 2025 | 5.08% | 2.10% | 3.30% | 5.08% |
| Q4 2025 | 5.00% | 2.04% | 3.26% | 5.11% |
| Q1 2026 | 5.13% | 1.96% | 3.45% | 5.21% |
| Q2 2026 | 5.06% | 2.07% | 3.33% | 5.22% |
Malaga Bank, FSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Malaga Bank, FSB, 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 Malaga Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32282) · FFIEC NIC profile (RSSD 773470)