United 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.13 percentage points between Q1 2026 and Q2 2026, to 3.26%. Within Virginia, United Bank is 31st of 56 on net interest margin, 3.79% as of Q2 2026, below the middle of the field. United Bank reported 3.79% on net interest margin for Q2 2026, 0.19 points above the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 5.93% |
| Yield on securities | 3.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | 1.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $369.6M |
| Total interest expense | $128.1M |
| Interest expense on deposits | $126.2M |
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 | 5.42% | 2.04% | 3.56% | 5.89% | 3.16% |
| Q4 2023 | 5.57% | 2.21% | 3.56% | 6.04% | 3.21% |
| Q1 2024 | 5.54% | 2.31% | 3.43% | 5.98% | 3.27% |
| Q2 2024 | 5.62% | 2.36% | 3.49% | 6.04% | 3.37% |
| Q3 2024 | 5.72% | 2.42% | 3.54% | 6.15% | 3.34% |
| Q4 2024 | 5.53% | 2.24% | 3.51% | 5.97% | 3.25% |
| Q1 2025 | 5.53% | 2.10% | 3.64% | 6.00% | 3.12% |
| Q2 2025 | 5.71% | 2.11% | 3.80% | 6.18% | 3.15% |
| Q3 2025 | 5.75% | 2.14% | 3.81% | 6.23% | 3.25% |
| Q4 2025 | 5.65% | 2.00% | 3.85% | 6.15% | 3.17% |
| Q1 2026 | 5.44% | 1.86% | 3.76% | 5.92% | 3.13% |
| Q2 2026 | 5.46% | 1.86% | 3.79% | 5.93% | 3.26% |
United 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 United 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 United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22858) · FFIEC NIC profile (RSSD 365325)