Unibank: 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 dropped 0.61 percentage points in Q2 2026, from 3.01% to 2.40%. It was the largest change from Q1 2026 among the key lines here. Unibank has the 2nd lowest net interest margin of the 29 banks headquartered in Washington, at 2.40% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Unibank sits 1.54 points lower, at 2.40% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 6.05% |
| Yield on securities | 3.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.13% |
| Cost of interest-bearing deposits | 3.59% |
| Cost of interest-bearing liabilities | 3.67% |
| Cost of borrowings | 4.23% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.40% |
| Yield to cost spread | 1.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.4M |
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 | 6.60% | 3.20% | 3.75% | 6.95% | 4.30% |
| Q4 2023 | 6.21% | 3.49% | 3.08% | 6.67% | 2.21% |
| Q1 2024 | 6.37% | 3.58% | 3.16% | 6.64% | 4.49% |
| Q2 2024 | 6.66% | 3.68% | 3.29% | 7.00% | 4.33% |
| Q3 2024 | 5.81% | 3.79% | 2.37% | 6.21% | 2.54% |
| Q4 2024 | 5.33% | 3.67% | 1.87% | 5.60% | 3.58% |
| Q1 2025 | 5.68% | 3.43% | 2.34% | 6.04% | 3.45% |
| Q2 2025 | 5.82% | 3.36% | 2.63% | 6.19% | 3.59% |
| Q3 2025 | 5.65% | 3.30% | 2.53% | 6.10% | 3.63% |
| Q4 2025 | 5.56% | 3.18% | 2.53% | 6.07% | 4.04% |
| Q1 2026 | 5.94% | 3.09% | 3.01% | 6.85% | 3.65% |
| Q2 2026 | 5.38% | 3.13% | 2.40% | 6.05% | 3.78% |
Unibank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Unibank, 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 Unibank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58407) · FFIEC NIC profile (RSSD 3487947)