Paradise 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 Total interest expense: 14.2% lower than in Q1 2026, at $1.5M. Among 79 Florida banks, Paradise Bank sits 6th from the top on net interest margin, 4.95% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Paradise Bank sits 1.01 points higher, at 4.95% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.50% |
| Yield on loans | 7.74% |
| Yield on securities | 2.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.95% |
| Yield to cost spread | 4.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 7.63% | 1.37% | 6.31% | 9.58% | 2.10% |
| Q4 2023 | 8.01% | 1.54% | 6.57% | 9.68% | 2.11% |
| Q1 2024 | 7.84% | 1.77% | 6.15% | 9.46% | 2.10% |
| Q2 2024 | 8.01% | 2.01% | 6.09% | 9.65% | 2.10% |
| Q3 2024 | 8.10% | 2.17% | 5.87% | 9.52% | 2.12% |
| Q4 2024 | 7.35% | 2.24% | 5.11% | 8.83% | 2.18% |
| Q1 2025 | 7.20% | 1.85% | 5.38% | 8.37% | 2.18% |
| Q2 2025 | 7.29% | 2.08% | 5.26% | 8.39% | 2.18% |
| Q3 2025 | 7.25% | 2.10% | 5.21% | 8.45% | 2.13% |
| Q4 2025 | 6.96% | 2.05% | 4.99% | 8.19% | 2.14% |
| Q1 2026 | 6.45% | 1.78% | 4.70% | 7.62% | 2.31% |
| Q2 2026 | 6.50% | 1.57% | 4.95% | 7.74% | 2.33% |
Paradise 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 Paradise 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 Paradise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58030) · FFIEC NIC profile (RSSD 3368635)