Sunstate 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.27 percentage points to 3.61%. Sunstate Bank ranks 40th of 79 Florida banks on net interest margin, in the lower half at 3.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Sunstate Bank sits 0.33 points lower, at 3.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.83% |
| Yield on loans | 6.60% |
| Yield on securities | 5.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.54% |
| Cost of interest-bearing deposits | 3.30% |
| Cost of interest-bearing liabilities | 3.30% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 2.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $3.1M |
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 | 5.32% | 2.41% | 3.14% | 6.23% | 2.71% |
| Q4 2023 | 5.72% | 2.69% | 3.28% | 6.31% | 2.45% |
| Q1 2024 | 5.85% | 2.91% | 3.25% | 6.59% | 2.57% |
| Q2 2024 | 6.05% | 2.96% | 3.32% | 6.62% | 3.65% |
| Q3 2024 | 6.16% | 3.14% | 3.23% | 6.83% | 4.42% |
| Q4 2024 | 6.06% | 3.20% | 3.17% | 6.71% | 4.89% |
| Q1 2025 | 5.67% | 2.96% | 2.97% | 6.35% | 4.98% |
| Q2 2025 | 6.02% | 2.76% | 3.54% | 6.52% | 5.02% |
| Q3 2025 | 5.90% | 2.80% | 3.36% | 6.60% | 5.13% |
| Q4 2025 | 5.61% | 2.72% | 3.18% | 6.02% | 5.07% |
| Q1 2026 | 5.56% | 2.50% | 3.34% | 6.29% | 4.97% |
| Q2 2026 | 5.83% | 2.54% | 3.61% | 6.60% | 5.00% |
Sunstate 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 Sunstate 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 Sunstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34643) · FFIEC NIC profile (RSSD 2791085)