Oregon Coast 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.3% to $2.1M. Oregon Coast Bank has the 3rd lowest net interest margin of the 12 banks headquartered in Oregon, at 3.34% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Oregon Coast Bank sits 0.61 points lower, at 3.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | 7.10% |
| Yield on securities | 2.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.06% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.49% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.34% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.1M |
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 | 4.46% | 1.63% | 2.91% | 6.68% | 1.82% |
| Q4 2023 | 4.79% | 1.90% | 3.01% | 7.19% | 1.84% |
| Q1 2024 | 4.73% | 2.29% | 2.59% | 6.94% | 1.84% |
| Q2 2024 | 4.93% | 2.49% | 2.60% | 7.29% | 1.82% |
| Q3 2024 | 5.00% | 2.57% | 2.58% | 7.20% | 1.85% |
| Q4 2024 | 5.13% | 2.48% | 2.78% | 7.31% | 1.91% |
| Q1 2025 | 5.11% | 2.39% | 2.82% | 7.09% | 2.00% |
| Q2 2025 | 5.36% | 2.39% | 3.07% | 7.32% | 2.06% |
| Q3 2025 | 5.53% | 2.36% | 3.33% | 7.46% | 2.06% |
| Q4 2025 | 5.45% | 2.23% | 3.37% | 7.24% | 2.04% |
| Q1 2026 | 5.35% | 2.03% | 3.48% | 7.00% | 2.20% |
| Q2 2026 | 5.28% | 2.06% | 3.34% | 7.10% | 2.11% |
Oregon Coast 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 Oregon Coast 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 Oregon Coast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57373) · FFIEC NIC profile (RSSD 3125557)