Summit State 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.
Total interest expense fell 5.4% from Q1 2026 to Q2 2026, ending at $4.7M against $5.0M. It was the largest change among the key lines on this page. Summit State Bank ranks 48th of 114 California banks on net interest margin, in the upper half at 3.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Summit State Bank reported 3.91% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.88% |
| Yield on loans | 6.52% |
| Yield on securities | 2.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.77% |
| Cost of borrowings | 6.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.7M |
| Total interest expense | $4.7M |
| Interest expense on deposits | $4.6M |
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 | 5.25% | 2.67% | 2.79% | 5.43% | 2.92% |
| Q4 2023 | 5.44% | 2.81% | 2.83% | 5.66% | 2.93% |
| Q1 2024 | 5.41% | 2.86% | 2.77% | 5.65% | 2.94% |
| Q2 2024 | 5.41% | 2.98% | 2.67% | 5.64% | 2.94% |
| Q3 2024 | 5.57% | 3.11% | 2.71% | 5.83% | 2.84% |
| Q4 2024 | 5.54% | 2.91% | 2.86% | 5.83% | 2.58% |
| Q1 2025 | 5.59% | 2.65% | 3.11% | 5.90% | 2.56% |
| Q2 2025 | 5.95% | 2.51% | 3.61% | 6.34% | 2.55% |
| Q3 2025 | 5.74% | 2.42% | 3.50% | 6.08% | 2.51% |
| Q4 2025 | 5.83% | 2.39% | 3.62% | 6.22% | 2.54% |
| Q1 2026 | 5.72% | 2.22% | 3.69% | 6.16% | 2.51% |
| Q2 2026 | 5.88% | 2.15% | 3.91% | 6.52% | 2.43% |
Summit State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32203) · FFIEC NIC profile (RSSD 561574)