Pacific Coast Bankers' 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 standout move of Q2 2026 was in Cost of borrowings: 4.36 percentage points lower than in Q1 2026, at 11.49%. On net interest margin, Pacific Coast Bankers' Bank is 9th from the bottom among 114 California banks, 2.79% (Q2 2026). Pacific Coast Bankers' Bank reported 2.79% on net interest margin for Q2 2026, 0.92 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 6.30% |
| Yield on securities | 2.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.00% |
| Cost of interest-bearing deposits | 3.64% |
| Cost of interest-bearing liabilities | 7.36% |
| Cost of borrowings | 11.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.79% |
| Yield to cost spread | -2.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.3M |
| Total interest expense | $5.6M |
| Interest expense on deposits | $2.4M |
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 | 5.54% | 7.59% | 2.00% | 7.32% | 2.77% |
| Q4 2023 | 5.66% | 7.60% | 2.08% | 7.39% | 2.81% |
| Q1 2024 | 5.65% | 6.01% | 2.72% | 7.32% | 2.80% |
| Q2 2024 | 5.75% | 5.83% | 2.67% | 7.29% | 2.77% |
| Q3 2024 | 5.79% | 4.77% | 2.97% | 7.32% | 2.73% |
| Q4 2024 | 5.38% | 4.35% | 2.79% | 6.96% | 2.73% |
| Q1 2025 | 5.14% | 3.99% | 2.84% | 6.66% | 2.73% |
| Q2 2025 | 5.30% | 3.61% | 3.20% | 6.74% | 2.71% |
| Q3 2025 | 5.36% | 3.31% | 3.32% | 6.70% | 2.70% |
| Q4 2025 | 5.07% | 2.97% | 3.09% | 6.51% | 2.70% |
| Q1 2026 | 4.99% | 2.85% | 3.18% | 6.31% | 2.69% |
| Q2 2026 | 4.82% | 3.00% | 2.79% | 6.30% | 2.80% |
Pacific Coast Bankers' 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 Coast Bankers' 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 Coast Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34252) · FFIEC NIC profile (RSSD 2451240)