New Omni Bank, 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.
Net interest margin climbed 1.11 percentage points in Q2 2026, from 3.97% to 5.08%. It was the largest change from Q1 2026 among the key lines here. Among 114 California banks, New Omni Bank, N.A. sits 9th from the top on net interest margin, 5.08% as of Q2 2026. New Omni Bank, N.A. reported 5.08% on net interest margin for Q2 2026, 1.13 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.41% |
| Yield on loans | 8.58% |
| Yield on securities | 2.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.13% |
| Cost of interest-bearing deposits | 3.41% |
| Cost of interest-bearing liabilities | 3.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.08% |
| Yield to cost spread | 4.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.0M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.9M |
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 | 7.22% | 3.52% | 4.53% | 7.95% | 5.12% |
| Q4 2023 | 7.39% | 3.93% | 4.41% | 8.12% | 5.03% |
| Q1 2024 | 7.30% | 4.12% | 4.20% | 8.12% | 4.42% |
| Q2 2024 | 7.18% | 4.23% | 4.03% | 7.91% | 4.35% |
| Q3 2024 | 7.27% | 3.73% | 3.99% | 8.07% | 4.22% |
| Q4 2024 | 7.54% | 3.58% | 4.38% | 8.59% | 3.48% |
| Q1 2025 | 6.92% | 3.88% | 3.97% | 7.94% | 3.11% |
| Q2 2025 | 7.03% | 3.77% | 4.17% | 8.04% | 3.31% |
| Q3 2025 | 7.58% | 3.55% | 4.90% | 8.57% | 3.12% |
| Q4 2025 | 6.90% | 3.40% | 4.18% | 7.42% | 3.78% |
| Q1 2026 | 6.38% | 3.20% | 3.97% | 7.06% | 3.16% |
| Q2 2026 | 7.41% | 3.13% | 5.08% | 8.58% | 2.98% |
New Omni Bank, 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 New Omni Bank, 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 New Omni Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23086) · FFIEC NIC profile (RSSD 300063)