Redemption 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.
Net interest margin climbed 1.19 percentage points in Q2 2026, from 4.76% to 5.95%. It was the largest change from Q1 2026 among the key lines here. Within Utah, Redemption Bank is 18th of 44 on net interest margin, 5.95% as of Q2 2026, above the middle of the field. Against a median of 3.89% for banks in the < $100M asset tier, Redemption Bank reported 5.95% on net interest margin in Q2 2026, 2.06 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.61% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.06% |
| Cost of interest-bearing deposits | 3.13% |
| Cost of interest-bearing liabilities | 3.13% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.95% |
| Yield to cost spread | 4.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $314K |
| Interest expense on deposits | $314K |
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 | 6.71% | 2.08% | 4.98% |
| Q4 2023 | 7.59% | 2.32% | 5.73% |
| Q1 2024 | 5.75% | 2.62% | 3.60% |
| Q2 2024 | 7.62% | 2.78% | 5.43% |
| Q3 2024 | 7.14% | 2.84% | 4.86% |
| Q4 2024 | 7.17% | 2.60% | 4.98% |
| Q1 2025 | 6.67% | 2.28% | 4.73% |
| Q2 2025 | 6.77% | 2.19% | 4.96% |
| Q3 2025 | 7.15% | 2.22% | 5.32% |
| Q4 2025 | 7.16% | 2.04% | 5.58% |
| Q1 2026 | 6.17% | 1.81% | 4.76% |
| Q2 2026 | 7.61% | 2.06% | 5.95% |
Redemption 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 Redemption 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 Redemption Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21448) · FFIEC NIC profile (RSSD 617275)