Nano Banc: 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.
The standout move of Q2 2026 was in Yield on securities: 1.37 percentage points lower than in Q1 2026, at 1.70%. Against a median of 3.94% for banks in the $100M-1B asset tier, Nano Banc reported 1.76% on net interest margin in Q2 2026, 2.18 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.00% |
| Yield on loans | 4.29% |
| Yield on securities | 1.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.36% |
| Cost of interest-bearing deposits | 4.17% |
| Cost of interest-bearing liabilities | 4.17% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.76% |
| Yield to cost spread | -0.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $4.4M |
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 | 6.41% | 1.89% | 4.86% | 7.00% | 2.17% |
| Q4 2023 | 5.94% | 2.05% | 4.25% | 6.14% | 2.16% |
| Q1 2024 | 5.69% | 2.01% | 3.94% | 5.92% | 2.13% |
| Q2 2024 | 6.03% | 1.93% | 4.24% | 6.28% | 2.15% |
| Q3 2024 | 5.91% | 2.51% | 3.62% | 6.31% | 2.25% |
| Q4 2024 | 5.84% | 2.27% | 3.80% | 6.52% | 3.07% |
| Q1 2025 | 5.65% | 1.84% | 3.91% | 6.21% | 4.16% |
| Q2 2025 | 4.96% | 1.68% | 3.44% | 5.20% | 4.09% |
| Q3 2025 | 5.07% | 2.15% | 3.14% | 5.51% | 4.02% |
| Q4 2025 | 4.37% | 2.35% | 2.22% | 4.62% | 3.58% |
| Q1 2026 | 4.56% | 2.37% | 2.35% | 5.08% | 3.07% |
| Q2 2026 | 4.00% | 2.36% | 1.76% | 4.29% | 1.70% |
Nano Banc yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Nano Banc, 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 Nano Banc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58590) · FFIEC NIC profile (RSSD 3635029)