Metropolitan 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, Cost of borrowings rose 0.51 percentage points in Q2 2026 to 11.57%, the biggest move on this page. Metropolitan Bank ranks 53rd of 114 California banks on net interest margin, in the upper half at 3.79% (Q2 2026). Metropolitan Bank reported 3.79% on net interest margin for Q2 2026, 0.16 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.29% |
| Yield on loans | 6.83% |
| Yield on securities | 3.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 3.14% |
| Cost of interest-bearing liabilities | 3.24% |
| Cost of borrowings | 11.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
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 | 6.21% | 2.71% | 3.78% | 6.37% | 4.31% |
| Q4 2023 | 6.25% | 3.22% | 3.35% | 6.44% | 4.59% |
| Q1 2024 | 6.42% | 3.43% | 3.38% | 6.63% | 4.39% |
| Q2 2024 | 6.60% | 3.45% | 3.43% | 6.75% | 4.38% |
| Q3 2024 | 6.74% | 3.71% | 3.39% | 7.00% | 4.32% |
| Q4 2024 | 6.52% | 3.45% | 3.44% | 7.05% | 4.00% |
| Q1 2025 | 6.22% | 3.14% | 3.46% | 6.80% | 3.95% |
| Q2 2025 | 6.55% | 3.24% | 3.63% | 6.98% | 3.84% |
| Q3 2025 | 6.59% | 3.21% | 3.72% | 7.11% | 3.66% |
| Q4 2025 | 6.69% | 3.07% | 3.94% | 7.22% | 3.72% |
| Q1 2026 | 6.29% | 2.83% | 3.76% | 6.85% | 3.35% |
| Q2 2026 | 6.29% | 2.78% | 3.79% | 6.83% | 3.49% |
Metropolitan 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 Metropolitan 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 Metropolitan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25869) · FFIEC NIC profile (RSSD 534466)