Mega 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.
Net interest margin climbed 0.67 percentage points in Q2 2026, from 3.45% to 4.12%. It was the largest change from Q1 2026 among the key lines here. Within California, Mega Bank is 36th of 114 on net interest margin, 4.12% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Mega Bank sits 0.18 points higher, at 4.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.07% |
| Yield on loans | 7.75% |
| Yield on securities | 1.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.37% |
| Cost of interest-bearing deposits | 3.64% |
| Cost of interest-bearing liabilities | 3.64% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 3.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.0M |
| Total interest expense | $3.7M |
| Interest expense on deposits | $3.7M |
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 | 7.32% | 3.29% | 4.42% | 7.97% | 1.68% |
| Q4 2023 | 7.48% | 3.65% | 4.26% | 8.14% | 1.71% |
| Q1 2024 | 7.22% | 3.88% | 3.73% | 7.90% | 1.70% |
| Q2 2024 | 7.27% | 4.12% | 3.55% | 8.00% | 1.71% |
| Q3 2024 | 7.43% | 4.21% | 3.67% | 8.03% | 1.73% |
| Q4 2024 | 7.05% | 3.98% | 3.51% | 7.73% | 1.74% |
| Q1 2025 | 6.99% | 3.63% | 3.78% | 7.62% | 1.73% |
| Q2 2025 | 6.87% | 3.59% | 3.74% | 7.39% | 1.53% |
| Q3 2025 | 7.32% | 3.52% | 4.22% | 7.86% | 1.54% |
| Q4 2025 | 6.73% | 3.55% | 3.60% | 7.29% | 1.55% |
| Q1 2026 | 6.46% | 3.44% | 3.45% | 7.00% | 1.55% |
| Q2 2026 | 7.07% | 3.37% | 4.12% | 7.75% | 1.56% |
Mega 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 Mega 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 Mega Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58401) · FFIEC NIC profile (RSSD 3690635)