Pacific National Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Pacific National Bank reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 6.22% in Q3 2026, down 0.26 percentage points from 6.48% in Q3 2025. Across the 12 quarters shown it ranged from 5.52% (Q4 2023) to 6.53% (Q3 2024).
Total interest expense rose 5.6% from Q2 2026 to Q3 2026, ending at $11.0M against $10.4M. It was the largest change among the key lines on this page. Within Florida, Pacific National Bank is 61st of 81 on net interest margin, 3.45% as of Q3 2026. The median for banks in the $1B-10B asset tier is 3.79% on net interest margin. Pacific National Bank sits 0.34 points lower, at 3.45% (Q3 2026).
Asset yields
Largest change in this table: yield on earning assets, up 0.12 points to 6.22% in Q3 2026 after 6.10% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 6.22% |
| Yield on loans | 6.96% |
| Yield on securities | 5.15% |
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Funding costs
Largest change in this table: cost of borrowings, up 0.12 points to 4.16% in Q3 2026 after 4.04% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 3.00% |
| Cost of interest-bearing deposits | 3.61% |
| Cost of interest-bearing liabilities | 3.64% |
| Cost of borrowings | 4.16% |
Spread and margin
Net interest margin changed the most here, up 0.07 points to 3.45% in Q3 2026 from 3.38% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.45% |
| Yield to cost spread | 2.58% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $17.6M |
| Total interest expense | $11.0M |
| Interest expense on deposits | $9.9M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 5.52% | 2.64% | 3.10% | 5.15% | 6.67% |
| Q1 2024 | 5.97% | 3.14% | 3.09% | 5.83% | 6.58% |
| Q2 2024 | 6.15% | 3.26% | 3.20% | 6.13% | 6.60% |
| Q3 2024 | 6.53% | 3.47% | 3.38% | 6.65% | 6.65% |
| Q4 2024 | 6.45% | 3.40% | 3.34% | 6.71% | 6.31% |
| Q1 2025 | 6.39% | 3.26% | 3.43% | 6.80% | 5.90% |
| Q2 2025 | 6.42% | 3.31% | 3.40% | 6.88% | 5.81% |
| Q3 2025 | 6.48% | 3.40% | 3.36% | 7.05% | 5.88% |
| Q4 2025 | 6.36% | 3.17% | 3.48% | 7.00% | 5.47% |
| Q1 2026 | 6.10% | 2.99% | 3.39% | 6.84% | 5.09% |
| Q2 2026 | 6.10% | 3.00% | 3.38% | 6.91% | 5.07% |
| Q3 2026 | 6.22% | 3.00% | 3.45% | 6.96% | 5.15% |
Pacific National Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Pacific National Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26299) · FFIEC NIC profile (RSSD 577137)