Universal 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, Total interest expense rose 3.7% in Q2 2026 to $2.1M, the biggest move on this page. Within California, Universal Bank is 102nd of 114 on net interest margin, 2.98% as of Q2 2026. Universal Bank reported 2.98% on net interest margin for Q2 2026, 0.96 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.30% |
| Yield on loans | 5.62% |
| Yield on securities | 4.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.72% |
| Cost of interest-bearing deposits | 2.92% |
| Cost of interest-bearing liabilities | 2.99% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.98% |
| Yield to cost spread | 2.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $1.8M |
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 | 5.36% | 2.74% | 3.16% | 5.36% | 5.00% |
| Q4 2023 | 5.40% | 2.95% | 2.89% | 5.37% | 5.31% |
| Q1 2024 | 5.46% | 3.07% | 2.84% | 5.47% | 5.18% |
| Q2 2024 | 5.52% | 3.24% | 2.74% | 5.54% | 5.33% |
| Q3 2024 | 5.59% | 3.43% | 2.64% | 5.64% | 5.34% |
| Q4 2024 | 5.46% | 3.17% | 2.77% | 5.51% | 5.19% |
| Q1 2025 | 5.36% | 2.94% | 2.86% | 5.41% | 5.29% |
| Q2 2025 | 5.48% | 2.89% | 3.03% | 5.60% | 5.15% |
| Q3 2025 | 5.57% | 2.89% | 3.13% | 5.68% | 5.14% |
| Q4 2025 | 5.69% | 2.87% | 3.26% | 5.92% | 4.89% |
| Q1 2026 | 5.24% | 2.70% | 2.94% | 5.35% | 4.74% |
| Q2 2026 | 5.30% | 2.72% | 2.98% | 5.62% | 4.62% |
Universal 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 Universal 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 Universal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30722) · FFIEC NIC profile (RSSD 208570)