Alpine 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 standout move of Q2 2026 was in Cost of borrowings: 1.42 percentage points higher than in Q1 2026, at 1.62%. Alpine Bank ranks 32nd of 63 Colorado banks on net interest margin, in the lower half at 4.05% (Q2 2026). Alpine Bank reported 4.05% on net interest margin for Q2 2026, 0.34 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | 6.15% |
| Yield on securities | 2.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 1.77% |
| Cost of borrowings | 1.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $68.0M |
| Total interest expense | $18.3M |
| Interest expense on deposits | $18.2M |
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 | 4.56% | 1.53% | 3.12% | 5.67% | 2.36% |
| Q4 2023 | 4.66% | 1.68% | 3.09% | 5.70% | 2.45% |
| Q1 2024 | 4.66% | 1.75% | 3.01% | 5.76% | 2.45% |
| Q2 2024 | 4.79% | 1.81% | 3.08% | 5.82% | 2.60% |
| Q3 2024 | 4.88% | 1.84% | 3.16% | 6.02% | 2.57% |
| Q4 2024 | 4.92% | 1.64% | 3.38% | 6.00% | 2.70% |
| Q1 2025 | 4.84% | 1.42% | 3.51% | 5.88% | 2.79% |
| Q2 2025 | 5.01% | 1.42% | 3.67% | 6.05% | 2.80% |
| Q3 2025 | 5.11% | 1.41% | 3.78% | 6.21% | 2.76% |
| Q4 2025 | 5.15% | 1.32% | 3.91% | 6.18% | 2.86% |
| Q1 2026 | 5.02% | 1.23% | 3.88% | 6.01% | 2.90% |
| Q2 2026 | 5.19% | 1.22% | 4.05% | 6.15% | 2.92% |
Alpine 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 Alpine 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 Alpine Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23091) · FFIEC NIC profile (RSSD 260055)