U.S. Century 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.
Net interest margin rose 0.25 percentage points from Q1 2026 to Q2 2026, ending at 3.56% against 3.31%. It was the largest change among the key lines on this page. U.S. Century Bank ranks 47th of 79 Florida banks on net interest margin, in the lower half at 3.56% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. U.S. Century Bank sits 0.15 points lower, at 3.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 6.20% |
| Yield on securities | 3.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 2.90% |
| Cost of interest-bearing liabilities | 2.88% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $34.9M |
| Total interest expense | $14.4M |
| Interest expense on deposits | $13.4M |
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 | 4.81% | 2.44% | 2.56% | 5.60% | 2.22% |
| Q4 2023 | 5.06% | 2.65% | 2.60% | 5.85% | 2.11% |
| Q1 2024 | 5.20% | 2.85% | 2.55% | 5.99% | 2.29% |
| Q2 2024 | 5.39% | 2.75% | 2.86% | 6.14% | 2.42% |
| Q3 2024 | 5.54% | 2.74% | 2.99% | 6.36% | 2.30% |
| Q4 2024 | 5.52% | 2.55% | 3.12% | 6.30% | 2.34% |
| Q1 2025 | 5.35% | 2.48% | 3.01% | 6.11% | 2.39% |
| Q2 2025 | 5.54% | 2.48% | 3.22% | 6.23% | 2.69% |
| Q3 2025 | 5.52% | 2.52% | 3.17% | 6.28% | 2.70% |
| Q4 2025 | 5.51% | 2.32% | 3.37% | 6.23% | 2.79% |
| Q1 2026 | 5.36% | 2.21% | 3.31% | 6.04% | 2.80% |
| Q2 2026 | 5.59% | 2.21% | 3.56% | 6.20% | 3.06% |
U.S. Century 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 U.S. Century 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 U.S. Century Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57369) · FFIEC NIC profile (RSSD 3146150)