Nave 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.
The standout move of Q2 2026 was in Cost of borrowings: 2.29 percentage points lower than in Q1 2026, at 2.60%. Nave Bank reported 3.05% on net interest margin for Q2 2026, 0.89 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.44% |
| Yield on loans | 6.89% |
| Yield on securities | 4.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.59% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | 2.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.05% |
| Yield to cost spread | 2.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.7M |
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 | — | — | — | — | — |
| Q4 2023 | 5.44% | 1.02% | 5.42% | 6.90% | — |
| Q1 2024 | 5.11% | 2.18% | 4.55% | 7.59% | 4.21% |
| Q2 2024 | 6.16% | 3.86% | 4.08% | 7.58% | 4.40% |
| Q3 2024 | 5.41% | 3.99% | 2.92% | 7.38% | 4.82% |
| Q4 2024 | 5.53% | 3.68% | 3.08% | 7.33% | 4.69% |
| Q1 2025 | 4.84% | 3.38% | 2.65% | 6.93% | 4.73% |
| Q2 2025 | 5.37% | 3.10% | 3.29% | 6.46% | 4.72% |
| Q3 2025 | 5.50% | 3.01% | 3.04% | 6.87% | 4.82% |
| Q4 2025 | 5.95% | 3.19% | 3.41% | 7.27% | 5.39% |
| Q1 2026 | 5.14% | 3.10% | 2.76% | 6.84% | 4.89% |
| Q2 2026 | 5.44% | 2.59% | 3.05% | 6.89% | 4.15% |
Nave 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 Nave 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 Nave Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59324) · FFIEC NIC profile (RSSD 5686089)