Oriental 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 Net interest margin, which rose 0.14 percentage points to 5.48%. Oriental Bank's net interest margin of 5.48% is well above the 3.59% median for banks in the $10B-100B asset tier, a gap of 1.89 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.83% |
| Yield on loans | 7.88% |
| Yield on securities | 4.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | 3.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.48% |
| Yield to cost spread | 4.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $163.0M |
| Total interest expense | $39.1M |
| Interest expense on deposits | $33.4M |
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 | 6.82% | 1.02% | 5.88% | 7.95% | 2.99% |
| Q4 2023 | 6.94% | 1.35% | 5.71% | 8.09% | 3.51% |
| Q1 2024 | 6.84% | 1.55% | 5.41% | 7.97% | 3.87% |
| Q2 2024 | 7.00% | 1.59% | 5.54% | 8.18% | 3.82% |
| Q3 2024 | 7.00% | 1.62% | 5.52% | 8.13% | 3.99% |
| Q4 2024 | 6.93% | 1.60% | 5.48% | 8.06% | 4.09% |
| Q1 2025 | 6.78% | 1.54% | 5.37% | 7.88% | 4.14% |
| Q2 2025 | 6.80% | 1.59% | 5.35% | 7.90% | 4.16% |
| Q3 2025 | 6.85% | 1.67% | 5.33% | 7.98% | 4.23% |
| Q4 2025 | 6.71% | 1.62% | 5.23% | 7.81% | 4.28% |
| Q1 2026 | 6.70% | 1.50% | 5.34% | 7.76% | 4.24% |
| Q2 2026 | 6.83% | 1.48% | 5.48% | 7.88% | 4.24% |
Oriental 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 Oriental 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 Oriental Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31469) · FFIEC NIC profile (RSSD 245276)