Optimumbank: 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.
Total interest expense climbed 7.9% in Q2 2026, from $6.3M to $6.8M. It was the largest change from Q1 2026 among the key lines here. Optimumbank ranks 13th of 79 Florida banks on net interest margin, in the upper half at 4.48% (Q2 2026). Optimumbank reported 4.48% on net interest margin for Q2 2026, 0.77 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.58% |
| Yield on loans | 7.01% |
| Yield on securities | 2.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.34% |
| Cost of interest-bearing deposits | 3.15% |
| Cost of interest-bearing liabilities | 3.09% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.48% |
| Yield to cost spread | 3.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.8M |
| Total interest expense | $6.8M |
| Interest expense on deposits | $6.6M |
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% | 2.05% | 3.76% | 5.87% | 2.24% |
| Q4 2023 | 6.06% | 2.33% | 3.87% | 6.38% | 2.37% |
| Q1 2024 | 6.40% | 2.90% | 3.68% | 6.70% | 2.35% |
| Q2 2024 | 6.56% | 3.00% | 3.79% | 6.87% | 3.02% |
| Q3 2024 | 6.75% | 3.08% | 3.95% | 7.06% | 2.62% |
| Q4 2024 | 6.54% | 2.98% | 3.86% | 6.97% | 2.52% |
| Q1 2025 | 6.36% | 2.64% | 4.00% | 6.83% | 1.91% |
| Q2 2025 | 6.49% | 2.48% | 4.26% | 6.99% | 1.90% |
| Q3 2025 | 6.41% | 2.36% | 4.34% | 7.04% | 1.86% |
| Q4 2025 | 6.41% | 2.32% | 4.36% | 7.04% | 1.96% |
| Q1 2026 | 6.49% | 2.35% | 4.40% | 6.96% | 2.15% |
| Q2 2026 | 6.58% | 2.34% | 4.48% | 7.01% | 2.23% |
Optimumbank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Optimumbank, 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 Optimumbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35430) · FFIEC NIC profile (RSSD 2953418)