Natbank, N.A.: 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 rose 0.24 percentage points in Q2 2026 to 4.30%, the biggest move on this page. Natbank, N.A. ranks 17th of 79 Florida banks on net interest margin, in the upper half at 4.30% (Q2 2026). Natbank, N.A. reported 4.30% on net interest margin for Q2 2026, 0.35 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.34% |
| Yield on loans | 5.64% |
| Yield on securities | 3.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.50% |
| Cost of interest-bearing deposits | 2.86% |
| Cost of interest-bearing liabilities | 2.97% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 2.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $740K |
| Interest expense on deposits | $712K |
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 | 4.94% | 0.90% | 4.23% | 5.08% | 3.90% |
| Q4 2023 | 5.16% | 0.81% | 4.51% | 5.27% | 3.51% |
| Q1 2024 | 5.14% | 0.98% | 4.36% | 5.37% | 3.85% |
| Q2 2024 | 5.38% | 1.29% | 4.29% | 5.46% | 3.88% |
| Q3 2024 | 5.05% | 1.63% | 3.77% | 5.53% | 3.16% |
| Q4 2024 | 5.41% | 1.59% | 4.16% | 5.58% | 3.05% |
| Q1 2025 | 5.18% | 1.51% | 3.96% | 5.52% | 2.65% |
| Q2 2025 | 5.54% | 1.59% | 4.20% | 5.70% | 3.97% |
| Q3 2025 | 5.41% | 1.89% | 3.85% | 5.72% | 3.39% |
| Q4 2025 | 5.36% | 1.63% | 4.20% | 5.72% | 3.31% |
| Q1 2026 | 5.01% | 1.37% | 4.06% | 5.64% | 3.83% |
| Q2 2026 | 5.34% | 1.50% | 4.30% | 5.64% | 3.79% |
Natbank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Natbank, N.A., 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 Natbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33959) · FFIEC NIC profile (RSSD 2233875)