Pacific Alliance 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 loans edged up by 0.07 percentage points, from 6.75% to 6.82%, the largest move among the key lines here. Within California, Pacific Alliance Bank is 100th of 114 on net interest margin, 3.09% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Pacific Alliance Bank sits 0.86 points lower, at 3.09% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.10% |
| Yield on loans | 6.82% |
| Yield on securities | 2.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.42% |
| Cost of interest-bearing deposits | 3.67% |
| Cost of interest-bearing liabilities | 3.62% |
| Cost of borrowings | 2.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.09% |
| Yield to cost spread | 2.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.0M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $3.2M |
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 | 6.19% | 3.48% | 3.12% | 6.65% | 2.51% |
| Q4 2023 | 6.37% | 3.72% | 3.09% | 6.81% | 2.59% |
| Q1 2024 | 6.30% | 4.02% | 2.78% | 6.74% | 2.49% |
| Q2 2024 | 6.34% | 4.12% | 2.72% | 6.78% | 2.41% |
| Q3 2024 | 6.39% | 4.31% | 2.63% | 6.88% | 2.34% |
| Q4 2024 | 6.14% | 4.21% | 2.46% | 6.73% | 2.35% |
| Q1 2025 | 5.80% | 3.88% | 2.37% | 6.43% | 2.32% |
| Q2 2025 | 6.61% | 3.85% | 3.23% | 7.25% | 2.25% |
| Q3 2025 | 6.35% | 3.83% | 3.01% | 6.97% | 2.23% |
| Q4 2025 | 6.28% | 3.71% | 3.06% | 6.87% | 2.29% |
| Q1 2026 | 6.13% | 3.48% | 3.06% | 6.75% | 2.29% |
| Q2 2026 | 6.10% | 3.42% | 3.09% | 6.82% | 2.26% |
Pacific Alliance 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 Pacific Alliance 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 Pacific Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58234) · FFIEC NIC profile (RSSD 3546862)