US Metro 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 0.21 percentage points from Q1 2026 to Q2 2026, ending at 3.50% against 3.29%. It was the largest change among the key lines on this page. US Metro Bank ranks 76th of 114 California banks on net interest margin, in the lower half at 3.50% (Q2 2026). US Metro Bank reported 3.50% on net interest margin for Q2 2026, 0.21 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.17% |
| Yield on loans | 6.62% |
| Yield on securities | 2.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.94% |
| Cost of interest-bearing deposits | 3.57% |
| Cost of interest-bearing liabilities | 3.57% |
| Cost of borrowings | 3.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $22.1M |
| Total interest expense | $10.5M |
| Interest expense on deposits | $10.2M |
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 | 5.91% | 3.38% | 2.94% | 6.25% | 1.51% |
| Q4 2023 | 6.12% | 3.62% | 2.85% | 6.44% | 1.53% |
| Q1 2024 | 6.08% | 3.82% | 2.61% | 6.43% | 1.38% |
| Q2 2024 | 6.25% | 3.87% | 2.75% | 6.61% | 1.53% |
| Q3 2024 | 6.35% | 3.87% | 2.83% | 6.71% | 1.54% |
| Q4 2024 | 6.22% | 3.69% | 2.90% | 6.63% | 1.53% |
| Q1 2025 | 5.97% | 3.27% | 2.97% | 6.36% | 1.47% |
| Q2 2025 | 6.16% | 3.28% | 3.18% | 6.58% | 1.62% |
| Q3 2025 | 6.21% | 3.26% | 3.26% | 6.65% | 1.78% |
| Q4 2025 | 6.01% | 3.17% | 3.14% | 6.50% | 1.82% |
| Q1 2026 | 5.94% | 2.94% | 3.29% | 6.31% | 1.85% |
| Q2 2026 | 6.17% | 2.94% | 3.50% | 6.62% | 2.14% |
US Metro 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 US Metro 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 US Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58310) · FFIEC NIC profile (RSSD 3470154)