ANB 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 fell 7.1% from Q1 2026 to Q2 2026, ending at $5.7M against $6.1M. It was the largest change among the key lines on this page. ANB Bank ranks 45th of 63 Colorado banks on net interest margin, in the lower half at 3.68% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; ANB Bank reported 3.68% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.53% |
| Yield on loans | 5.76% |
| Yield on securities | 1.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.85% |
| Cost of interest-bearing deposits | 1.37% |
| Cost of interest-bearing liabilities | 1.31% |
| Cost of borrowings | 0.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $24.8M |
| Total interest expense | $5.7M |
| Interest expense on deposits | $5.7M |
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 | 4.04% | 1.05% | 2.98% | 5.60% | 1.56% |
| Q4 2023 | 4.16% | 1.10% | 3.05% | 5.64% | 1.59% |
| Q1 2024 | 4.21% | 1.23% | 2.96% | 5.49% | 1.68% |
| Q2 2024 | 4.28% | 1.32% | 2.95% | 5.50% | 1.72% |
| Q3 2024 | 4.49% | 1.33% | 3.15% | 5.69% | 1.74% |
| Q4 2024 | 4.54% | 1.14% | 3.39% | 5.73% | 1.72% |
| Q1 2025 | 4.40% | 1.06% | 3.32% | 5.54% | 1.68% |
| Q2 2025 | 4.54% | 1.05% | 3.48% | 5.73% | 1.67% |
| Q3 2025 | 4.62% | 0.92% | 3.69% | 5.80% | 1.65% |
| Q4 2025 | 4.56% | 0.87% | 3.69% | 5.76% | 1.63% |
| Q1 2026 | 4.55% | 0.88% | 3.66% | 5.81% | 1.62% |
| Q2 2026 | 4.53% | 0.85% | 3.68% | 5.76% | 1.75% |
ANB 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 ANB 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 ANB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19220) · FFIEC NIC profile (RSSD 828651)