Open 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, Net interest margin edged down by 0.09 percentage points, from 3.23% to 3.14%, the largest move among the key lines here. Within California, Open Bank is 96th of 114 on net interest margin, 3.14% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Open Bank sits 0.57 points lower, at 3.14% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.83% |
| Yield on loans | 6.34% |
| Yield on securities | 3.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.90% |
| Cost of interest-bearing deposits | 3.76% |
| Cost of interest-bearing liabilities | 3.77% |
| Cost of borrowings | 3.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.14% |
| Yield to cost spread | 2.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $35.7M |
| Total interest expense | $17.6M |
| Interest expense on deposits | $16.9M |
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 | 6.05% | 2.88% | 3.36% | 6.49% | 2.73% |
| Q4 2023 | 6.05% | 3.22% | 3.09% | 6.47% | 2.74% |
| Q1 2024 | 6.24% | 3.44% | 3.03% | 6.67% | 2.76% |
| Q2 2024 | 6.20% | 3.54% | 2.93% | 6.64% | 2.91% |
| Q3 2024 | 6.27% | 3.58% | 2.94% | 6.69% | 2.98% |
| Q4 2024 | 6.11% | 3.43% | 2.95% | 6.52% | 2.95% |
| Q1 2025 | 5.94% | 3.21% | 2.97% | 6.32% | 2.96% |
| Q2 2025 | 6.13% | 3.14% | 3.21% | 6.54% | 2.94% |
| Q3 2025 | 6.17% | 3.11% | 3.26% | 6.57% | 3.17% |
| Q4 2025 | 6.12% | 3.08% | 3.29% | 6.52% | 3.18% |
| Q1 2026 | 5.92% | 2.92% | 3.23% | 6.27% | 3.26% |
| Q2 2026 | 5.83% | 2.90% | 3.14% | 6.34% | 3.31% |
Open 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 Open 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 Open Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57944) · FFIEC NIC profile (RSSD 3357219)