Scottsdale 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.
In Q2 2026, Net interest margin edged down by 0.12 percentage points, from 3.34% to 3.22%, the largest move among the key lines here. On net interest margin, Scottsdale Community Bank is 1st from the bottom among 12 Arizona banks, 3.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Scottsdale Community Bank sits 0.73 points lower, at 3.22% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.10% |
| Yield on loans | 6.50% |
| Yield on securities | 4.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.56% |
| Cost of interest-bearing deposits | 3.59% |
| Cost of interest-bearing liabilities | 3.61% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $839K |
| Interest expense on deposits | $747K |
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 | 5.87% | 2.80% | 4.17% | 7.05% | 2.90% |
| Q4 2023 | 6.27% | 3.92% | 3.85% | 7.13% | 3.00% |
| Q1 2024 | 6.25% | 4.08% | 3.50% | 6.97% | 2.94% |
| Q2 2024 | 6.39% | 4.12% | 3.45% | 7.01% | 3.05% |
| Q3 2024 | 6.48% | 3.90% | 3.65% | 7.16% | 3.50% |
| Q4 2024 | 6.21% | 3.83% | 3.40% | 6.81% | 3.92% |
| Q1 2025 | 6.18% | 3.78% | 3.30% | 6.66% | 4.10% |
| Q2 2025 | 6.30% | 3.73% | 3.32% | 6.82% | 4.52% |
| Q3 2025 | 6.32% | 3.94% | 3.22% | 6.88% | 4.52% |
| Q4 2025 | 6.28% | 3.70% | 3.24% | 6.75% | 4.36% |
| Q1 2026 | 6.24% | 3.52% | 3.34% | 6.60% | 4.28% |
| Q2 2026 | 6.10% | 3.56% | 3.22% | 6.50% | 4.25% |
Scottsdale 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 Scottsdale 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 Scottsdale Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59203) · FFIEC NIC profile (RSSD 5691319)