Mission 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, Total interest expense rose 5.4% in Q2 2026 to $6.8M, the biggest move on this page. Within California, Mission Bank is 23rd of 114 on net interest margin, 4.35% as of Q2 2026, above the middle of the field. Mission Bank reported 4.35% on net interest margin for Q2 2026, 0.64 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.79% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.35% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $24.0M |
| Total interest expense | $6.8M |
| Interest expense on deposits | $6.8M |
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 | 5.78% | 0.83% | 4.71% |
| Q4 2023 | 5.86% | 0.99% | 4.60% |
| Q1 2024 | 5.92% | 1.11% | 4.52% |
| Q2 2024 | 5.97% | 1.23% | 4.44% |
| Q3 2024 | 6.08% | 1.41% | 4.34% |
| Q4 2024 | 5.79% | 1.48% | 3.99% |
| Q1 2025 | 5.68% | 1.37% | 4.01% |
| Q2 2025 | 5.76% | 1.40% | 4.06% |
| Q3 2025 | 5.95% | 1.37% | 4.29% |
| Q4 2025 | 5.83% | 1.22% | 4.35% |
| Q1 2026 | 5.75% | 1.16% | 4.33% |
| Q2 2026 | 5.79% | 1.18% | 4.35% |
Mission 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 Mission 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 Mission Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34805) · FFIEC NIC profile (RSSD 2736714)