Baker Boyer National 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 0.25 percentage points in Q2 2026 to 3.87%, the biggest move on this page. Within Washington, Baker Boyer National Bank is 13th of 29 on net interest margin, 3.87% as of Q2 2026, above the middle of the field. At 3.87%, Baker Boyer National Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.67% |
| Yield on loans | 5.97% |
| Yield on securities | 2.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.70% |
| Cost of interest-bearing deposits | 1.24% |
| Cost of interest-bearing liabilities | 1.24% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 3.52% | 0.73% | 2.82% | 5.40% | 1.48% |
| Q4 2023 | 3.65% | 0.66% | 2.92% | 5.51% | 1.48% |
| Q1 2024 | 3.74% | 0.81% | 2.85% | 5.54% | 1.49% |
| Q2 2024 | 3.81% | 0.89% | 2.84% | 5.61% | 1.41% |
| Q3 2024 | 4.11% | 0.93% | 3.09% | 5.80% | 1.64% |
| Q4 2024 | 4.14% | 0.83% | 3.23% | 5.74% | 1.49% |
| Q1 2025 | 4.16% | 0.80% | 3.28% | 5.65% | 1.51% |
| Q2 2025 | 4.47% | 0.82% | 3.57% | 5.95% | 1.54% |
| Q3 2025 | 4.48% | 0.85% | 3.54% | 5.90% | 1.60% |
| Q4 2025 | 4.50% | 0.81% | 3.61% | 5.83% | 1.80% |
| Q1 2026 | 4.42% | 0.71% | 3.62% | 5.72% | 2.13% |
| Q2 2026 | 4.67% | 0.70% | 3.87% | 5.97% | 2.40% |
Baker Boyer National 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 Baker Boyer National 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 Baker Boyer National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2987) · FFIEC NIC profile (RSSD 69678)