Summit 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.
Yield on securities dropped 0.99 percentage points in Q2 2026, from 4.03% to 3.04%. It was the largest change from Q1 2026 among the key lines here. Within California, Summit Bank is 19th of 114 on net interest margin, 4.59% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Summit Bank sits 0.65 points higher, at 4.59% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.53% |
| Yield on loans | 6.00% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.07% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.59% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $591K |
| Interest expense on deposits | $591K |
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 | 5.82% | 0.68% | 5.22% | 6.35% | 4.11% |
| Q4 2023 | 6.05% | 0.77% | 5.37% | 6.50% | 4.07% |
| Q1 2024 | 5.87% | 0.60% | 5.11% | 6.35% | 4.04% |
| Q2 2024 | 6.11% | 0.91% | 5.34% | 6.33% | 5.22% |
| Q3 2024 | 5.71% | 0.84% | 5.05% | 6.43% | 5.15% |
| Q4 2024 | 6.03% | 0.83% | 5.34% | 6.42% | 4.07% |
| Q1 2025 | 5.75% | 0.81% | 5.04% | 6.26% | 5.06% |
| Q2 2025 | 5.86% | 0.85% | 5.13% | 6.30% | 4.15% |
| Q3 2025 | 5.47% | 0.93% | 4.67% | 5.94% | 3.08% |
| Q4 2025 | 6.04% | 1.00% | 5.19% | 6.72% | 4.06% |
| Q1 2026 | 5.41% | 0.91% | 4.64% | 6.04% | 4.03% |
| Q2 2026 | 5.53% | 1.07% | 4.59% | 6.00% | 3.04% |
Summit 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 Summit 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 Summit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23864) · FFIEC NIC profile (RSSD 351560)