Poppy 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 Net interest margin, which rose 0.33 percentage points to 3.55%. Poppy Bank ranks 73rd of 114 California banks on net interest margin, in the lower half at 3.55% (Q2 2026). Poppy Bank reported 3.55% on net interest margin for Q2 2026, 0.16 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.54% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.24% |
| Cost of interest-bearing deposits | 3.50% |
| Cost of interest-bearing liabilities | 3.42% |
| Cost of borrowings | 4.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.55% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $104.8M |
| Total interest expense | $55.2M |
| Interest expense on deposits | $47.4M |
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 |
|---|---|---|---|
| Q3 2023 | 5.85% | 3.75% | 2.40% |
| Q4 2023 | 5.91% | 3.95% | 2.25% |
| Q1 2024 | 6.09% | 4.03% | 2.35% |
| Q2 2024 | 6.05% | 4.15% | 2.32% |
| Q3 2024 | 6.26% | 4.38% | 2.28% |
| Q4 2024 | 6.36% | 4.22% | 2.44% |
| Q1 2025 | 6.23% | 3.88% | 2.58% |
| Q2 2025 | 6.43% | 3.67% | 3.05% |
| Q3 2025 | 6.44% | 3.64% | 3.03% |
| Q4 2025 | 6.37% | 3.64% | 3.01% |
| Q1 2026 | 6.29% | 3.26% | 3.22% |
| Q2 2026 | 6.54% | 3.24% | 3.55% |
Poppy 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 Poppy 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 Poppy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57903) · FFIEC NIC profile (RSSD 3232204)