PCB 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.
In Q2 2026, Total interest expense edged up by 2.4%, from $22.0M to $22.5M, the largest move among the key lines here. PCB Bank ranks 85th of 114 California banks on net interest margin, in the lower half at 3.31% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. PCB Bank sits 0.40 points lower, at 3.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 6.36% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.02% |
| Cost of interest-bearing deposits | 3.73% |
| Cost of interest-bearing liabilities | 3.75% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 2.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $45.9M |
| Total interest expense | $22.5M |
| Interest expense on deposits | $21.8M |
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 | 6.19% | 2.99% | 3.58% | 6.49% | 3.04% |
| Q4 2023 | 6.36% | 3.34% | 3.41% | 6.63% | 3.23% |
| Q1 2024 | 6.35% | 3.69% | 3.06% | 6.62% | 3.24% |
| Q2 2024 | 6.45% | 3.77% | 3.12% | 6.73% | 3.35% |
| Q3 2024 | 6.59% | 3.79% | 3.26% | 6.86% | 3.47% |
| Q4 2024 | 6.38% | 3.62% | 3.19% | 6.67% | 3.49% |
| Q1 2025 | 6.22% | 3.34% | 3.22% | 6.50% | 3.55% |
| Q2 2025 | 6.27% | 3.29% | 3.31% | 6.54% | 3.61% |
| Q3 2025 | 6.29% | 3.33% | 3.30% | 6.64% | 3.66% |
| Q4 2025 | 6.18% | 3.23% | 3.30% | 6.50% | 3.71% |
| Q1 2026 | 6.02% | 3.03% | 3.31% | 6.26% | 3.77% |
| Q2 2026 | 6.02% | 3.02% | 3.31% | 6.36% | 3.84% |
PCB 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 PCB 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 PCB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57463) · FFIEC NIC profile (RSSD 3212402)