Murphy 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.
Net interest margin rose 0.18 percentage points from Q1 2026 to Q2 2026, ending at 5.03% against 4.85%. It was the largest change among the key lines on this page. Among 114 California banks, Murphy Bank sits 11th from the top on net interest margin, 5.03% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Murphy Bank sits 1.09 points higher, at 5.03% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.91% |
| Yield on loans | 8.41% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.17% |
| Cost of interest-bearing deposits | 3.33% |
| Cost of interest-bearing liabilities | 3.34% |
| Cost of borrowings | 4.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.03% |
| Yield to cost spread | 4.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 | 6.81% | 3.47% | 3.73% | 7.13% |
| Q4 2023 | 7.07% | 3.50% | 3.73% | 7.36% |
| Q1 2024 | 7.10% | 3.52% | 3.60% | 7.46% |
| Q2 2024 | 7.37% | 3.56% | 3.80% | 7.69% |
| Q3 2024 | 7.55% | 3.73% | 3.86% | 7.95% |
| Q4 2024 | 7.73% | 3.66% | 4.12% | 8.14% |
| Q1 2025 | 7.56% | 3.88% | 4.14% | 8.02% |
| Q2 2025 | 7.94% | 3.80% | 4.57% | 8.35% |
| Q3 2025 | 8.09% | 3.64% | 4.86% | 8.54% |
| Q4 2025 | 8.05% | 3.55% | 4.91% | 8.53% |
| Q1 2026 | 7.79% | 3.33% | 4.85% | 8.31% |
| Q2 2026 | 7.91% | 3.17% | 5.03% | 8.41% |
Murphy 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 Murphy 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 Murphy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25726) · FFIEC NIC profile (RSSD 855563)