Ascent 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 Net interest margin: 0.47 percentage points higher than in Q1 2026, at 4.62%. Ascent Bank ranks 10th of 35 Montana banks on net interest margin, in the upper half at 4.62% (Q2 2026). Ascent Bank reported 4.62% on net interest margin for Q2 2026, 0.68 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.27% |
| Yield on loans | 6.92% |
| Yield on securities | 1.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.62% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $415K |
| Interest expense on deposits | $395K |
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 | 5.27% | 1.78% | 3.65% | 6.26% | 1.73% |
| Q4 2023 | 5.69% | 1.94% | 3.92% | 6.66% | 1.73% |
| Q1 2024 | 5.62% | 2.06% | 3.73% | 6.49% | 1.58% |
| Q2 2024 | 5.87% | 2.21% | 3.87% | 6.73% | 1.57% |
| Q3 2024 | 6.12% | 2.29% | 4.03% | 7.03% | 1.45% |
| Q4 2024 | 6.31% | 2.12% | 4.31% | 7.16% | 1.66% |
| Q1 2025 | 6.21% | 2.04% | 4.31% | 7.07% | 1.50% |
| Q2 2025 | 6.39% | 2.11% | 4.44% | 7.21% | 1.50% |
| Q3 2025 | 6.43% | 2.14% | 4.45% | 7.31% | 1.52% |
| Q4 2025 | 6.38% | 2.05% | 4.48% | 7.28% | 1.48% |
| Q1 2026 | 5.89% | 1.84% | 4.15% | 6.79% | 1.53% |
| Q2 2026 | 6.27% | 1.73% | 4.62% | 6.92% | 1.56% |
Ascent 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 Ascent 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 Ascent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20162) · FFIEC NIC profile (RSSD 647955)