Sunrise 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 rose 0.18 percentage points from Q1 2026 to Q2 2026, ending at 3.50% against 3.32%. It was the largest change among the key lines on this page. Within Florida, Sunrise Bank is 53rd of 79 on net interest margin, 3.50% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Sunrise Bank sits 0.44 points lower, at 3.50% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.79% |
| Yield on loans | 6.20% |
| Yield on securities | 4.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.51% |
| Cost of interest-bearing deposits | 3.06% |
| Cost of interest-bearing liabilities | 3.11% |
| Cost of borrowings | 4.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 2.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.6M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $3.3M |
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 | 5.36% | 2.20% | 3.23% | 5.78% | 3.64% |
| Q4 2023 | 5.60% | 2.56% | 3.25% | 6.00% | 3.84% |
| Q1 2024 | 5.69% | 2.74% | 3.12% | 6.10% | 4.01% |
| Q2 2024 | 5.82% | 2.88% | 3.17% | 6.22% | 4.06% |
| Q3 2024 | 5.95% | 3.07% | 3.13% | 6.38% | 4.24% |
| Q4 2024 | 6.04% | 3.04% | 3.26% | 6.48% | 4.18% |
| Q1 2025 | 5.90% | 2.84% | 3.28% | 6.39% | 4.02% |
| Q2 2025 | 5.97% | 2.79% | 3.39% | 6.43% | 4.04% |
| Q3 2025 | 6.06% | 2.81% | 3.49% | 6.56% | 4.07% |
| Q4 2025 | 5.80% | 2.74% | 3.34% | 6.39% | 4.10% |
| Q1 2026 | 5.61% | 2.52% | 3.32% | 6.11% | 4.13% |
| Q2 2026 | 5.79% | 2.51% | 3.50% | 6.20% | 4.23% |
Sunrise 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 Sunrise 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 Sunrise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58029) · FFIEC NIC profile (RSSD 3370133)