The Bank of Baker: 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: 0.81 percentage points higher than in Q1 2026, at 0.81%. Within Montana, The Bank of Baker is 17th of 35 on net interest margin, 4.21% as of Q2 2026, above the middle of the field. The Bank of Baker reported 4.21% on net interest margin for Q2 2026, 0.26 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 6.78% |
| Yield on securities | 3.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | 0.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.21% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $543K |
| Interest expense on deposits | $542K |
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 | 5.48% | 1.54% | 4.02% | 7.00% | 1.43% |
| Q4 2023 | 5.54% | 1.72% | 3.94% | 6.74% | 1.48% |
| Q1 2024 | 5.31% | 1.81% | 3.62% | 6.76% | 1.15% |
| Q2 2024 | 5.50% | 1.90% | 3.70% | 7.03% | 1.15% |
| Q3 2024 | 5.95% | 1.89% | 4.16% | 7.21% | 1.40% |
| Q4 2024 | 5.84% | 1.68% | 4.22% | 7.25% | 2.28% |
| Q1 2025 | 5.37% | 1.59% | 3.87% | 7.26% | 2.42% |
| Q2 2025 | 5.86% | 1.70% | 4.24% | 7.23% | 3.17% |
| Q3 2025 | 6.13% | 1.69% | 4.54% | 7.49% | 3.38% |
| Q4 2025 | 5.89% | 1.62% | 4.39% | 7.33% | 3.67% |
| Q1 2026 | 5.30% | 1.51% | 3.88% | 6.59% | 3.90% |
| Q2 2026 | 5.63% | 1.49% | 4.21% | 6.78% | 3.96% |
The Bank of Baker yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Baker, 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 The Bank of Baker profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 352) · FFIEC NIC profile (RSSD 222558)