United Pacific 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.
Compared with Q1 2026, Net interest margin rose 0.24 percentage points in Q2 2026 to 4.20%, the biggest move on this page. Within California, United Pacific Bank is 29th of 114 on net interest margin, 4.20% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. United Pacific Bank sits 0.25 points higher, at 4.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.76% |
| Yield on loans | 7.49% |
| Yield on securities | 4.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.11% |
| Cost of interest-bearing deposits | 3.25% |
| Cost of interest-bearing liabilities | 3.25% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.20% |
| Yield to cost spread | 3.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 7.47% | 2.91% | 5.06% | 8.41% | 3.12% |
| Q4 2023 | 7.49% | 3.39% | 4.68% | 8.17% | 4.39% |
| Q1 2024 | 7.48% | 3.68% | 4.55% | 8.16% | 4.65% |
| Q2 2024 | 7.28% | 3.89% | 4.17% | 7.98% | 4.66% |
| Q3 2024 | 7.90% | 3.99% | 4.73% | 8.77% | 4.67% |
| Q4 2024 | 7.19% | 3.84% | 4.13% | 7.89% | 4.39% |
| Q1 2025 | 6.81% | 3.60% | 3.90% | 7.43% | 4.50% |
| Q2 2025 | 6.89% | 3.57% | 4.00% | 7.67% | 4.61% |
| Q3 2025 | 7.00% | 3.60% | 4.03% | 7.66% | 4.67% |
| Q4 2025 | 6.75% | 3.51% | 3.84% | 7.52% | 4.55% |
| Q1 2026 | 6.58% | 3.17% | 3.96% | 7.37% | 4.58% |
| Q2 2026 | 6.76% | 3.11% | 4.20% | 7.49% | 4.52% |
United Pacific 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 Pacific 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 Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23805) · FFIEC NIC profile (RSSD 609467)