The National Capital Bank of Washington: 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 Total interest expense: 9.1% lower than in Q1 2026, at $2.0M. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The National Capital Bank of Washington sits 0.25 points lower, at 3.70% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.83% |
| Yield on loans | 5.61% |
| Yield on securities | 2.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.71% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.3M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 4.53% | 1.37% | 3.31% | 5.32% | 2.03% |
| Q4 2023 | 4.70% | 1.56% | 3.27% | 5.47% | 2.03% |
| Q1 2024 | 4.79% | 1.69% | 3.24% | 5.58% | 2.08% |
| Q2 2024 | 4.92% | 1.75% | 3.31% | 5.67% | 2.05% |
| Q3 2024 | 5.02% | 1.81% | 3.35% | 5.82% | 2.06% |
| Q4 2024 | 5.01% | 1.66% | 3.50% | 5.77% | 2.09% |
| Q1 2025 | 4.94% | 1.40% | 3.65% | 5.73% | 2.10% |
| Q2 2025 | 4.96% | 1.36% | 3.73% | 5.73% | 2.08% |
| Q3 2025 | 5.04% | 1.50% | 3.68% | 5.89% | 2.07% |
| Q4 2025 | 5.00% | 1.49% | 3.64% | 5.78% | 2.08% |
| Q1 2026 | 4.75% | 1.34% | 3.53% | 5.54% | 2.10% |
| Q2 2026 | 4.83% | 1.24% | 3.70% | 5.61% | 2.13% |
The National Capital Bank of Washington yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Capital Bank of Washington, 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 The National Capital Bank of Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2093) · FFIEC NIC profile (RSSD 791821)