Portage 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.
Compared with Q1 2026, Yield on securities rose 0.73 percentage points in Q2 2026 to 4.15%, the biggest move on this page. Within Washington, Portage Bank is 5th of 29 on net interest margin, 4.65% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Portage Bank sits 0.70 points higher, at 4.65% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.54% |
| Yield on loans | 7.26% |
| Yield on securities | 4.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 3.69% |
| Cost of interest-bearing liabilities | 3.77% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.65% |
| Yield to cost spread | 2.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $522K |
| Interest expense on deposits | $389K |
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 | 7.19% | 3.31% | 4.46% | 7.91% | 2.45% |
| Q4 2023 | 7.25% | 3.35% | 4.57% | 7.88% | 2.72% |
| Q1 2024 | 7.45% | 3.50% | 4.59% | 8.08% | 2.33% |
| Q2 2024 | 8.03% | 3.63% | 5.13% | 8.66% | 2.25% |
| Q3 2024 | 8.40% | 3.76% | 5.35% | 9.11% | 2.25% |
| Q4 2024 | 8.51% | 3.31% | 5.60% | 9.79% | 2.22% |
| Q1 2025 | 6.64% | 2.93% | 4.25% | 7.59% | 2.52% |
| Q2 2025 | 7.14% | 3.33% | 4.61% | 8.13% | 3.33% |
| Q3 2025 | 7.20% | 3.57% | 4.45% | 7.80% | 2.99% |
| Q4 2025 | 7.12% | 3.37% | 4.59% | 8.00% | 3.17% |
| Q1 2026 | 6.74% | 2.42% | 4.46% | 7.37% | 3.42% |
| Q2 2026 | 6.54% | 2.07% | 4.65% | 7.26% | 4.15% |
Portage 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 Portage 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 Portage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8197) · FFIEC NIC profile (RSSD 401951)