Pinnacle 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.8% to $3.6M. Within California, Pinnacle Bank is 70th of 114 on net interest margin, 3.60% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Pinnacle Bank sits 0.35 points lower, at 3.60% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.20% |
| Yield on loans | 6.20% |
| Yield on securities | 2.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 2.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.9M |
| Total interest expense | $3.6M |
| Interest expense on deposits | $3.6M |
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% | 1.51% | 4.81% | 7.32% | 2.66% |
| Q4 2023 | 6.15% | 1.64% | 4.66% | 7.19% | 2.73% |
| Q1 2024 | 6.42% | 1.75% | 4.82% | 7.42% | 2.81% |
| Q2 2024 | 6.33% | 1.85% | 4.65% | 7.22% | 2.88% |
| Q3 2024 | 6.22% | 1.90% | 4.50% | 7.01% | 2.89% |
| Q4 2024 | 6.05% | 2.01% | 4.41% | 6.90% | 2.89% |
| Q1 2025 | 5.79% | 2.00% | 4.19% | 6.62% | 2.91% |
| Q2 2025 | 5.83% | 2.02% | 4.23% | 6.75% | 2.92% |
| Q3 2025 | 5.72% | 1.79% | 4.11% | 6.62% | 2.90% |
| Q4 2025 | 5.51% | 1.78% | 3.93% | 6.45% | 2.93% |
| Q1 2026 | 5.31% | 2.03% | 3.73% | 6.22% | 2.91% |
| Q2 2026 | 5.20% | 1.79% | 3.60% | 6.20% | 2.95% |
Pinnacle 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 Pinnacle 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 Pinnacle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58297) · FFIEC NIC profile (RSSD 3455227)