Mission Valley 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 6.7% from Q1 2026 to Q2 2026, ending at $4.1M against $3.8M. It was the largest change among the key lines on this page. Mission Valley Bank ranks 22nd of 114 California banks on net interest margin, in the upper half at 4.36% (Q2 2026). Mission Valley Bank reported 4.36% on net interest margin for Q2 2026, 0.41 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.53% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.36% |
| Cost of interest-bearing deposits | 3.66% |
| Cost of interest-bearing liabilities | 3.44% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.36% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.2M |
| Total interest expense | $4.1M |
| Interest expense on deposits | $3.8M |
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 | 6.39% | 1.98% | 4.58% |
| Q4 2023 | 6.38% | 2.37% | 4.19% |
| Q1 2024 | 6.76% | 2.70% | 4.33% |
| Q2 2024 | 6.79% | 2.67% | 4.28% |
| Q3 2024 | 6.91% | 2.64% | 4.48% |
| Q4 2024 | 6.86% | 2.58% | 4.46% |
| Q1 2025 | 6.95% | 2.41% | 4.73% |
| Q2 2025 | 6.64% | 2.49% | 4.34% |
| Q3 2025 | 6.82% | 2.44% | 4.56% |
| Q4 2025 | 6.49% | 2.38% | 4.32% |
| Q1 2026 | 6.17% | 2.32% | 4.06% |
| Q2 2026 | 6.53% | 2.36% | 4.36% |
Mission Valley 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 Valley 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 Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57101) · FFIEC NIC profile (RSSD 3039636)