The Warrington 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.14 percentage points to 3.06%. Within Florida, The Warrington Bank is 71st of 79 on net interest margin, 3.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Warrington Bank sits 0.89 points lower, at 3.06% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.58% |
| Yield on loans | 5.47% |
| Yield on securities | 2.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.61% |
| Cost of interest-bearing deposits | 0.83% |
| Cost of interest-bearing liabilities | 0.83% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.06% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $730K |
| Total interest expense | $218K |
| Interest expense on deposits | $218K |
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 | 2.65% | 0.60% | 2.13% | 4.93% | 1.76% |
| Q4 2023 | 2.81% | 0.78% | 2.14% | 5.22% | 1.79% |
| Q1 2024 | 2.86% | 0.82% | 2.15% | 5.17% | 1.80% |
| Q2 2024 | 2.89% | 0.88% | 2.12% | 5.21% | 1.82% |
| Q3 2024 | 2.99% | 0.95% | 2.19% | 5.31% | 1.88% |
| Q4 2024 | 3.00% | 0.69% | 2.43% | 5.33% | 1.88% |
| Q1 2025 | 3.03% | 0.57% | 2.55% | 5.20% | 1.81% |
| Q2 2025 | 3.18% | 0.58% | 2.69% | 5.27% | 1.85% |
| Q3 2025 | 3.32% | 0.62% | 2.80% | 5.27% | 2.10% |
| Q4 2025 | 3.35% | 0.64% | 2.81% | 5.40% | 2.31% |
| Q1 2026 | 3.42% | 0.59% | 2.92% | 5.46% | 2.43% |
| Q2 2026 | 3.58% | 0.61% | 3.06% | 5.47% | 2.66% |
The Warrington 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 The Warrington 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 The Warrington Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17193) · FFIEC NIC profile (RSSD 199137)