Neighborhood National 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.
Yield on securities climbed 5.06 percentage points in Q2 2026, from 6.60% to 11.66%. It was the largest change from Q1 2026 among the key lines here. Within California, Neighborhood National Bank is 56th of 114 on net interest margin, 3.76% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Neighborhood National Bank sits 0.19 points lower, at 3.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.51% |
| Yield on loans | 6.39% |
| Yield on securities | 11.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.98% |
| Cost of interest-bearing deposits | 3.65% |
| Cost of interest-bearing liabilities | 3.62% |
| Cost of borrowings | 4.27% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 2.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
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 | 5.30% | 1.99% | 3.51% | 5.37% | 4.52% |
| Q4 2023 | 5.63% | 2.38% | 3.49% | 5.72% | 4.34% |
| Q1 2024 | 5.69% | 2.75% | 3.17% | 5.79% | 4.54% |
| Q2 2024 | 5.88% | 3.01% | 3.23% | 6.03% | 4.98% |
| Q3 2024 | 5.95% | 3.12% | 3.14% | 6.04% | 5.95% |
| Q4 2024 | 5.92% | 2.85% | 3.33% | 6.01% | 6.16% |
| Q1 2025 | 5.83% | 2.81% | 3.20% | 5.95% | 6.30% |
| Q2 2025 | 6.02% | 2.92% | 3.25% | 6.16% | 6.23% |
| Q3 2025 | 6.12% | 2.98% | 3.32% | 6.30% | 6.28% |
| Q4 2025 | 7.84% | 2.95% | 5.01% | 8.38% | 5.84% |
| Q1 2026 | 6.06% | 2.94% | 3.30% | 6.31% | 6.60% |
| Q2 2026 | 6.51% | 2.98% | 3.76% | 6.39% | 11.66% |
Neighborhood National 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 Neighborhood National 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 Neighborhood National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34548) · FFIEC NIC profile (RSSD 2333140)