Partners Bank of California: 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: 15.5% lower than in Q1 2026, at $2.6M. Within California, Partners Bank of California is 41st of 114 on net interest margin, 4.04% as of Q2 2026, above the middle of the field. At 4.04%, Partners Bank of California's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | 6.17% |
| Yield on securities | 4.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.04% |
| Cost of interest-bearing deposits | 3.02% |
| Cost of interest-bearing liabilities | 2.74% |
| Cost of borrowings | 3.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.7M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.5M |
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 | 5.39% | 1.98% | 3.63% | 5.43% | 3.41% |
| Q4 2023 | 5.42% | 2.00% | 3.65% | 5.44% | 3.42% |
| Q1 2024 | 5.36% | 2.15% | 3.46% | 5.38% | 3.40% |
| Q2 2024 | 5.37% | 2.17% | 3.45% | 5.40% | 3.41% |
| Q3 2024 | 5.55% | 2.17% | 3.62% | 5.61% | 3.44% |
| Q4 2024 | 5.32% | 2.37% | 3.21% | 5.63% | 4.32% |
| Q1 2025 | 5.10% | 2.31% | 2.98% | 5.59% | 4.25% |
| Q2 2025 | 5.25% | 2.34% | 3.13% | 5.77% | 4.30% |
| Q3 2025 | 5.28% | 2.14% | 3.32% | 5.95% | 4.35% |
| Q4 2025 | 5.21% | 2.13% | 3.28% | 5.95% | 4.00% |
| Q1 2026 | 5.29% | 1.96% | 3.53% | 5.91% | 3.63% |
| Q2 2026 | 5.82% | 2.04% | 4.04% | 6.17% | 4.70% |
Partners Bank of California yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Partners Bank of California, 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 Partners Bank of California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58588) · FFIEC NIC profile (RSSD 3655933)