Bank of Billings: 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.
Net interest margin rose 0.19 percentage points from Q1 2026 to Q2 2026, ending at 5.26% against 5.07%. It was the largest change among the key lines on this page. Among 192 Missouri banks, Bank of Billings sits 13th from the top on net interest margin, 5.26% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Billings sits 1.31 points higher, at 5.26% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.99% |
| Yield on loans | 7.69% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.26% |
| Yield to cost spread | 4.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $410K |
| Interest expense on deposits | $410K |
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 |
|---|---|---|---|---|
| Q3 2023 | 6.52% | 1.16% | 5.43% | 6.72% |
| Q4 2023 | 6.86% | 1.32% | 5.61% | 7.03% |
| Q1 2024 | 7.41% | 1.51% | 5.98% | 7.67% |
| Q2 2024 | 7.32% | 1.55% | 5.83% | 7.59% |
| Q3 2024 | 7.42% | 1.63% | 5.88% | 7.72% |
| Q4 2024 | 7.32% | 1.65% | 5.87% | 7.82% |
| Q1 2025 | 6.92% | 1.92% | 5.14% | 7.57% |
| Q2 2025 | 7.09% | 1.81% | 5.45% | 7.62% |
| Q3 2025 | 7.21% | 1.65% | 5.65% | 7.65% |
| Q4 2025 | 7.26% | 1.80% | 5.61% | 7.64% |
| Q1 2026 | 6.82% | 1.83% | 5.07% | 7.35% |
| Q2 2026 | 6.99% | 1.82% | 5.26% | 7.69% |
Bank of Billings yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Billings, 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 Bank of Billings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16959) · FFIEC NIC profile (RSSD 572347)