River Valley Community 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, Total interest expense rose 5.8% in Q2 2026 to $3.3M, the biggest move on this page. River Valley Community Bank ranks 97th of 114 California banks on net interest margin, in the lower half at 3.13% (Q2 2026). River Valley Community Bank reported 3.13% on net interest margin for Q2 2026, 0.82 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.87% |
| Yield on loans | 5.98% |
| Yield on securities | 3.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | 3.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.13% |
| Yield to cost spread | 2.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.0M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $3.0M |
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 | 4.38% | 1.29% | 3.17% | 5.12% | 3.32% |
| Q4 2023 | 4.42% | 1.28% | 3.21% | 5.15% | 3.37% |
| Q1 2024 | 4.41% | 1.34% | 3.14% | 5.18% | 3.31% |
| Q2 2024 | 4.52% | 1.73% | 2.88% | 5.22% | 3.27% |
| Q3 2024 | 4.69% | 1.92% | 2.98% | 5.45% | 3.32% |
| Q4 2024 | 4.65% | 1.55% | 3.23% | 5.58% | 3.22% |
| Q1 2025 | 4.67% | 1.49% | 3.25% | 5.60% | 3.11% |
| Q2 2025 | 4.77% | 1.51% | 3.33% | 5.70% | 3.18% |
| Q3 2025 | 4.91% | 1.61% | 3.40% | 5.87% | 3.25% |
| Q4 2025 | 4.83% | 1.79% | 3.14% | 5.92% | 3.44% |
| Q1 2026 | 4.83% | 1.78% | 3.12% | 5.85% | 3.49% |
| Q2 2026 | 4.87% | 1.84% | 3.13% | 5.98% | 3.58% |
River Valley Community 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 River Valley Community 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 River Valley Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58276) · FFIEC NIC profile (RSSD 3451050)