Mission National 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.
Total interest expense rose 7.4% from Q1 2026 to Q2 2026, ending at $1.7M against $1.6M. It was the largest change among the key lines on this page. Mission National Bank has the 10th lowest net interest margin of the 114 banks headquartered in California, at 2.88% as of Q2 2026. Mission National Bank reported 2.88% on net interest margin for Q2 2026, 1.07 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 5.85% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.31% |
| Cost of interest-bearing deposits | 3.25% |
| Cost of interest-bearing liabilities | 3.25% |
| Cost of borrowings | 2.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.88% |
| Yield to cost spread | 2.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 |
|---|---|---|---|---|
| Q3 2023 | 4.90% | 1.77% | 3.44% | 4.87% |
| Q4 2023 | 5.30% | 2.32% | 3.41% | 5.18% |
| Q1 2024 | 5.13% | 2.45% | 3.05% | 5.28% |
| Q2 2024 | 5.70% | 2.85% | 3.31% | 5.63% |
| Q3 2024 | 5.57% | 3.27% | 2.79% | 5.66% |
| Q4 2024 | 5.35% | 3.38% | 2.53% | 5.34% |
| Q1 2025 | 5.29% | 3.39% | 2.47% | 5.40% |
| Q2 2025 | 5.68% | 3.55% | 2.82% | 5.87% |
| Q3 2025 | 5.61% | 3.49% | 2.79% | 5.76% |
| Q4 2025 | 5.59% | 3.27% | 2.88% | 5.79% |
| Q1 2026 | 5.43% | 3.20% | 2.82% | 5.65% |
| Q2 2026 | 5.59% | 3.31% | 2.88% | 5.85% |
Mission National 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 National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23749) · FFIEC NIC profile (RSSD 519360)