Waterfall 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 0.17 percentage points to 3.40%. Within Florida, Waterfall Bank is 61st of 79 on net interest margin, 3.40% as of Q2 2026. Waterfall Bank reported 3.40% on net interest margin for Q2 2026, 0.54 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.25% |
| Yield on loans | 6.48% |
| Yield on securities | 2.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.24% |
| Cost of interest-bearing deposits | 3.80% |
| Cost of interest-bearing liabilities | 3.61% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.40% |
| Yield to cost spread | 2.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.2M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.9M |
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 | 6.04% | 2.84% | 3.90% | 6.40% | 2.51% |
| Q4 2023 | 6.21% | 3.48% | 3.52% | 6.52% | 2.52% |
| Q1 2024 | 6.54% | 3.76% | 3.54% | 6.84% | 2.53% |
| Q2 2024 | 6.62% | 3.84% | 3.48% | 6.97% | 2.51% |
| Q3 2024 | 6.76% | 4.03% | 3.39% | 7.08% | 2.52% |
| Q4 2024 | 6.51% | 4.07% | 3.11% | 6.91% | 2.50% |
| Q1 2025 | 6.22% | 3.88% | 2.94% | 6.64% | 2.51% |
| Q2 2025 | 6.38% | 3.73% | 3.27% | 6.74% | 2.53% |
| Q3 2025 | 6.46% | 3.68% | 3.27% | 6.80% | 2.51% |
| Q4 2025 | 6.43% | 3.42% | 3.47% | 6.68% | 2.48% |
| Q1 2026 | 6.14% | 3.28% | 3.23% | 6.39% | 2.49% |
| Q2 2026 | 6.25% | 3.24% | 3.40% | 6.48% | 2.50% |
Waterfall 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 Waterfall 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 Waterfall Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59265) · FFIEC NIC profile (RSSD 5650923)