University 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: Net interest margin edged up 0.07 percentage points between Q1 2026 and Q2 2026, to 4.35%. Within Michigan, University Bank is 27th of 72 on net interest margin, 4.35% as of Q2 2026, above the middle of the field. University Bank reported 4.35% on net interest margin for Q2 2026, 0.64 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.42% |
| Yield on loans | 6.66% |
| Yield on securities | 4.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 4.15% |
| Cost of interest-bearing liabilities | 4.35% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.35% |
| Yield to cost spread | 2.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.1M |
| Total interest expense | $5.8M |
| Interest expense on deposits | $5.4M |
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 | 6.21% | 1.81% | 4.47% | 6.14% | 3.88% |
| Q4 2023 | 6.30% | 2.10% | 4.37% | 6.34% | 14.84% |
| Q1 2024 | 6.31% | 2.39% | 4.03% | 6.39% | 6.01% |
| Q2 2024 | 6.22% | 2.22% | 4.20% | 6.28% | 3.32% |
| Q3 2024 | 6.63% | 2.11% | 4.69% | 6.78% | 3.90% |
| Q4 2024 | 6.54% | 2.31% | 4.55% | 6.69% | 4.10% |
| Q1 2025 | 6.49% | 2.47% | 4.26% | 6.66% | 4.16% |
| Q2 2025 | 6.51% | 2.38% | 4.38% | 6.67% | 4.16% |
| Q3 2025 | 6.57% | 2.41% | 4.43% | 6.71% | 4.32% |
| Q4 2025 | 6.43% | 2.41% | 4.30% | 6.64% | 4.29% |
| Q1 2026 | 6.49% | 2.30% | 4.28% | 6.72% | 4.23% |
| Q2 2026 | 6.42% | 2.17% | 4.35% | 6.66% | 4.26% |
University 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 University 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 University Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14587) · FFIEC NIC profile (RSSD 137652)