United Business 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 6.3% from Q1 2026 to Q2 2026, ending at $8.4M against $9.0M. It was the largest change among the key lines on this page. United Business Bank ranks 47th of 114 California banks on net interest margin, in the upper half at 3.92% (Q2 2026). United Business Bank reported 3.92% on net interest margin for Q2 2026, 0.21 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.31% |
| Yield on loans | 5.58% |
| Yield on securities | 4.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.03% |
| Cost of borrowings | 0.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $28.2M |
| Total interest expense | $8.4M |
| Interest expense on deposits | $8.4M |
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 | 5.34% | 1.28% | 4.20% | 5.47% | 3.60% |
| Q4 2023 | 5.29% | 1.41% | 4.03% | 5.38% | 3.93% |
| Q1 2024 | 5.22% | 1.54% | 3.85% | 5.29% | 3.97% |
| Q2 2024 | 5.29% | 1.66% | 3.81% | 5.38% | 4.09% |
| Q3 2024 | 5.44% | 1.75% | 3.88% | 5.56% | 4.25% |
| Q4 2024 | 5.49% | 1.71% | 3.95% | 5.72% | 4.34% |
| Q1 2025 | 5.35% | 1.60% | 3.91% | 5.56% | 4.33% |
| Q2 2025 | 5.39% | 1.69% | 3.90% | 5.61% | 4.33% |
| Q3 2025 | 5.50% | 1.75% | 3.94% | 5.74% | 4.28% |
| Q4 2025 | 5.53% | 1.64% | 4.05% | 5.78% | 4.28% |
| Q1 2026 | 5.52% | 1.59% | 4.08% | 5.79% | 4.14% |
| Q2 2026 | 5.31% | 1.53% | 3.92% | 5.58% | 4.32% |
United Business 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 Business 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 Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57716) · FFIEC NIC profile (RSSD 3281510)