Ocean 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.
In Q2 2026, Yield on securities edged up by 0.22 percentage points, from 3.68% to 3.90%, the largest move among the key lines here. Ocean Bank ranks 59th of 79 Florida banks on net interest margin, in the lower half at 3.43% (Q2 2026). Ocean Bank reported 3.43% on net interest margin for Q2 2026, 0.28 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.57% |
| Yield on loans | 5.93% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 3.20% |
| Cost of interest-bearing liabilities | 3.15% |
| Cost of borrowings | 3.61% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 2.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $90.0M |
| Total interest expense | $39.2M |
| Interest expense on deposits | $35.9M |
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 | 5.66% | 2.18% | 3.66% | 6.12% | 2.82% |
| Q4 2023 | 5.70% | 2.46% | 3.46% | 6.16% | 3.10% |
| Q1 2024 | 5.75% | 2.69% | 3.29% | 6.18% | 3.57% |
| Q2 2024 | 6.00% | 2.63% | 3.62% | 6.30% | 4.00% |
| Q3 2024 | 6.03% | 2.77% | 3.52% | 6.36% | 3.91% |
| Q4 2024 | 5.92% | 2.71% | 3.45% | 6.23% | 4.09% |
| Q1 2025 | 5.66% | 2.61% | 3.31% | 5.98% | 3.91% |
| Q2 2025 | 5.64% | 2.63% | 3.29% | 6.04% | 3.90% |
| Q3 2025 | 5.74% | 2.66% | 3.35% | 6.13% | 3.96% |
| Q4 2025 | 5.70% | 2.50% | 3.43% | 6.05% | 3.88% |
| Q1 2026 | 5.52% | 2.41% | 3.38% | 5.88% | 3.68% |
| Q2 2026 | 5.57% | 2.25% | 3.43% | 5.93% | 3.90% |
Ocean 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 Ocean 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 Ocean Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24156) · FFIEC NIC profile (RSSD 663834)