Alamosa State 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.
Compared with Q1 2026, Net interest margin rose 0.17 percentage points in Q2 2026 to 4.11%, the biggest move on this page. Within Colorado, Alamosa State Bank is 29th of 63 on net interest margin, 4.11% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Alamosa State Bank sits 0.16 points higher, at 4.11% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 6.30% |
| Yield on securities | 2.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.91% |
| Cost of interest-bearing deposits | 1.22% |
| Cost of interest-bearing liabilities | 1.22% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 3.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $659K |
| Interest expense on deposits | $659K |
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 | 4.17% | 0.66% | 3.55% | 5.89% | 1.52% |
| Q4 2023 | 4.30% | 0.81% | 3.54% | 5.96% | 1.58% |
| Q1 2024 | 4.39% | 0.83% | 3.62% | 6.05% | 1.64% |
| Q2 2024 | 4.51% | 0.90% | 3.68% | 6.16% | 1.68% |
| Q3 2024 | 4.64% | 0.95% | 3.77% | 6.27% | 1.75% |
| Q4 2024 | 4.69% | 0.99% | 3.78% | 6.32% | 1.82% |
| Q1 2025 | 4.59% | 0.93% | 3.73% | 6.10% | 1.90% |
| Q2 2025 | 4.70% | 0.90% | 3.88% | 6.19% | 2.08% |
| Q3 2025 | 4.80% | 0.97% | 3.91% | 6.30% | 2.29% |
| Q4 2025 | 4.76% | 0.98% | 3.86% | 6.23% | 2.49% |
| Q1 2026 | 4.76% | 0.89% | 3.94% | 6.14% | 2.65% |
| Q2 2026 | 4.94% | 0.91% | 4.11% | 6.30% | 2.85% |
Alamosa State 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 Alamosa State 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 Alamosa State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13947) · FFIEC NIC profile (RSSD 869953)