Yield on earning assets: Yield on earning assets is the rate a bank earns on everything it has put to work.
How it is calculated
Annualized total interest income divided by average earning assets, which is the same denominator net interest margin uses.
Formula
Yield on earning assets = annualized total interest income / average earning assets
What banks reported in Q2 2026
Across every bank that filed for Q2 2026, the median yield on earning assets was 5.52%, with the middle half between 5.02% and 6.09%. The right comparison is almost always the row for the bank’s own size rather than the industry line.
| Bank size (total assets) | Bottom quartile | Median | Top quartile |
|---|---|---|---|
| Under $100M | 4.71% | 5.26% | 6.00% |
| $100M - $300M | 5.02% | 5.56% | 6.13% |
| $300M - $1B | 5.11% | 5.61% | 6.13% |
| $1B - $3B | 5.13% | 5.53% | 6.01% |
| $3B - $10B | 5.06% | 5.49% | 5.89% |
| $10B - $100B | 4.99% | 5.32% | 5.71% |
| Over $100B | 4.67% | 5.03% | 5.48% |
Source: BankingLens, computed from FFIEC call reports for the quarter ending June 30, 2026. Quartiles are calculated across the full population of filing banks in each size band, not sampled. Non-insured non-deposit trust companies are left out of every statistic: they take no deposits and make no loans, so a margin or a funding cost computed for them has no meaning.
How to read it
This is the asset half of the spread, and it moves with the loan mix far more than with rates. A bank holding consumer and card paper earns multiples of one holding municipal securities and residential mortgages, in the same quarter, under the same curve.
The common mistake. Reading a high yield as a good result on its own. Yield is priced for risk, so an unusually high number is a statement about the credit being taken, and the nonaccrual and charge off lines are where that statement gets tested.
Go deeper
- What is a good net interest margin for a bank?
- BankingLens pricing and what a subscription adds: percentile rank against the bank’s own FFIEC peer group, fourteen quarters of trend, and the flags an examiner reaches for first.
See also. Earning assets, Net interest margin, Net interest spread, Nonaccrual.
Every figure on this page is computed from FFIEC call reports for the quarter ending June 30, 2026 and is not modeled, estimated or sampled. This page is generated by _tools/seo/build_glossary.mjs and carries no figure that was typed in. See our methodology and disclaimer. Definitions are general guidance, not regulatory or investment advice.