Pacific Crest 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 2.47%. Within Washington, Pacific Crest Bank is 26th of 29 on net interest margin, 2.47% as of Q2 2026. Pacific Crest Bank reported 2.47% on net interest margin for Q2 2026, 1.47 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 5.94% |
| Yield on securities | 3.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.39% |
| Cost of interest-bearing deposits | 3.50% |
| Cost of interest-bearing liabilities | 3.48% |
| Cost of borrowings | 3.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.47% |
| Yield to cost spread | 1.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.0M |
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 | 5.21% | 3.42% | 2.22% | 5.41% | 3.29% |
| Q4 2023 | 5.52% | 3.67% | 2.30% | 5.78% | 3.33% |
| Q1 2024 | 5.43% | 3.77% | 2.13% | 5.67% | 3.43% |
| Q2 2024 | 5.47% | 3.87% | 2.07% | 5.72% | 3.46% |
| Q3 2024 | 5.66% | 4.00% | 2.15% | 5.96% | 3.66% |
| Q4 2024 | 5.55% | 3.96% | 2.07% | 5.95% | 3.70% |
| Q1 2025 | 5.56% | 3.77% | 2.24% | 6.02% | 3.71% |
| Q2 2025 | 5.55% | 3.76% | 2.24% | 6.02% | 3.73% |
| Q3 2025 | 5.66% | 3.71% | 2.38% | 6.17% | 3.83% |
| Q4 2025 | 5.47% | 3.59% | 2.29% | 6.04% | 3.85% |
| Q1 2026 | 5.31% | 3.38% | 2.33% | 5.87% | 3.86% |
| Q2 2026 | 5.45% | 3.39% | 2.47% | 5.94% | 3.92% |
Pacific Crest 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 Crest 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 Crest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34585) · FFIEC NIC profile (RSSD 2643595)