Montecito Bank & Trust: 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, Net interest margin fell 0.13 percentage points in Q2 2026 to 3.60%, the biggest move on this page. Montecito Bank & Trust ranks 70th of 114 California banks on net interest margin, in the lower half at 3.60% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Montecito Bank & Trust reported 3.60% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.24% |
| Yield on loans | 4.99% |
| Yield on securities | 2.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.72% |
| Cost of interest-bearing deposits | 1.05% |
| Cost of interest-bearing liabilities | 1.18% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 3.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.0M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $2.8M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.87% | 0.65% | 3.28% | 4.65% | 2.75% |
| Q4 2023 | 3.97% | 0.83% | 3.20% | 4.74% | 2.75% |
| Q1 2024 | 4.02% | 0.99% | 3.11% | 4.82% | 2.78% |
| Q2 2024 | 4.05% | 1.11% | 3.03% | 4.85% | 2.77% |
| Q3 2024 | 4.13% | 1.17% | 3.05% | 4.96% | 2.72% |
| Q4 2024 | 4.15% | 1.22% | 3.03% | 4.97% | 2.71% |
| Q1 2025 | 4.13% | 1.19% | 3.03% | 4.93% | 2.67% |
| Q2 2025 | 4.19% | 1.06% | 3.21% | 5.06% | 2.52% |
| Q3 2025 | 4.32% | 0.95% | 3.45% | 5.17% | 2.61% |
| Q4 2025 | 4.26% | 0.77% | 3.55% | 5.17% | 2.36% |
| Q1 2026 | 4.39% | 0.72% | 3.73% | 5.19% | 2.42% |
| Q2 2026 | 4.24% | 0.72% | 3.60% | 4.99% | 2.36% |
Montecito Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Montecito Bank & Trust, 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 Montecito Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21956) · FFIEC NIC profile (RSSD 514066)