Paycom National Trust 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.04 percentage points between Q1 2026 and Q2 2026, to 3.52%. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Paycom National Trust Bank sits 0.37 points lower, at 3.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.52% |
| Yield on loans | — |
| Yield on securities | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.52% |
| Yield to cost spread | — |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $0 |
| Interest expense on deposits | $0 |
Yields and Funding Costs trend
Last 8 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Net interest margin |
|---|---|---|
| Q3 2024 | — | — |
| Q4 2024 | 4.75% | 4.75% |
| Q1 2025 | 4.33% | 4.33% |
| Q2 2025 | 4.41% | 4.41% |
| Q3 2025 | 4.39% | 4.39% |
| Q4 2025 | 3.94% | 3.94% |
| Q1 2026 | 3.48% | 3.48% |
| Q2 2026 | 3.52% | 3.52% |
Paycom National Trust 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 Paycom National Trust 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 Paycom National Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 5972661)