5STAR 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.
Total interest expense rose 3.8% from Q1 2026 to Q2 2026, ending at $1.5M against $1.5M. It was the largest change among the key lines on this page. 5STAR Bank ranks 7th of 63 Colorado banks on net interest margin, in the upper half at 5.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. 5STAR Bank sits 1.27 points higher, at 5.21% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.86% |
| Yield on loans | 7.45% |
| Yield on securities | 3.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.56% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.21% |
| Yield to cost spread | 4.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 7.20% | 1.92% | 5.21% | 7.40% | 4.32% |
| Q4 2023 | 6.54% | 2.69% | 4.24% | 6.81% | 4.06% |
| Q1 2024 | 6.66% | 2.69% | 4.38% | 7.00% | 3.45% |
| Q2 2024 | 6.65% | 2.69% | 4.37% | 7.15% | 1.72% |
| Q3 2024 | 7.05% | 2.67% | 4.77% | 7.42% | 3.90% |
| Q4 2024 | 7.00% | 2.50% | 4.90% | 7.44% | 3.55% |
| Q1 2025 | 6.87% | 2.47% | 4.79% | 7.29% | 3.70% |
| Q2 2025 | 7.00% | 2.53% | 4.86% | 7.55% | 3.94% |
| Q3 2025 | 7.02% | 2.51% | 4.87% | 7.61% | 3.99% |
| Q4 2025 | 6.90% | 2.26% | 5.00% | 7.55% | 3.80% |
| Q1 2026 | 7.01% | 1.93% | 5.37% | 7.51% | 3.85% |
| Q2 2026 | 6.86% | 1.93% | 5.21% | 7.45% | 3.93% |
5STAR 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 5STAR 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 5STAR Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 91005) · FFIEC NIC profile (RSSD 455253)