Monterey County 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.
Yield on loans fell 0.28 percentage points from Q1 2026 to Q2 2026, ending at 7.27% against 7.55%. It was the largest change among the key lines on this page. Monterey County Bank ranks 51st of 114 California banks on net interest margin, in the upper half at 3.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Monterey County Bank sits 0.15 points lower, at 3.80% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.20% |
| Yield on loans | 7.27% |
| Yield on securities | 4.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.41% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.80% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.2M |
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 | 4.88% | 1.52% | 3.30% | 7.25% | 3.17% |
| Q4 2023 | 4.01% | 1.69% | 2.25% | 6.30% | 1.94% |
| Q1 2024 | 4.22% | 1.88% | 2.25% | 6.31% | 2.59% |
| Q2 2024 | 4.35% | 2.04% | 2.22% | 6.57% | 2.63% |
| Q3 2024 | 2.32% | -2.99% | 1.37% | 2.91% | 1.78% |
| Q4 2024 | 5.45% | 2.06% | 3.48% | 6.41% | 4.64% |
| Q1 2025 | 5.65% | 2.09% | 3.43% | 6.69% | 4.63% |
| Q2 2025 | 5.99% | 2.28% | 3.70% | 7.41% | 4.60% |
| Q3 2025 | 6.37% | 2.26% | 4.07% | 7.92% | 4.62% |
| Q4 2025 | 6.65% | 2.36% | 4.11% | 8.68% | 4.62% |
| Q1 2026 | 6.33% | 2.41% | 3.91% | 7.55% | 4.58% |
| Q2 2026 | 6.20% | 2.41% | 3.80% | 7.27% | 4.52% |
Monterey County 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 Monterey County 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 Monterey County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22460) · FFIEC NIC profile (RSSD 297761)