Bank of Bozeman: 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.
In Q2 2026, Yield on loans edged up by 0.18 percentage points, from 7.16% to 7.34%, the largest move among the key lines here. Within Montana, Bank of Bozeman is 16th of 35 on net interest margin, 4.23% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Bozeman sits 0.28 points higher, at 4.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.16% |
| Yield on loans | 7.34% |
| Yield on securities | 1.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.48% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $498K |
| Interest expense on deposits | $498K |
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 | 5.36% | 1.59% | 3.59% | 6.79% | 1.06% |
| Q4 2023 | 5.50% | 1.99% | 3.39% | 7.00% | 1.05% |
| Q1 2024 | 5.66% | 2.27% | 3.27% | 7.03% | 1.11% |
| Q2 2024 | 5.80% | 2.31% | 3.45% | 7.26% | 1.12% |
| Q3 2024 | 5.82% | 2.38% | 3.41% | 7.27% | 1.13% |
| Q4 2024 | 6.28% | 2.30% | 3.96% | 7.82% | 1.15% |
| Q1 2025 | 5.82% | 2.06% | 3.68% | 7.09% | 1.20% |
| Q2 2025 | 6.18% | 2.01% | 4.09% | 7.50% | 1.19% |
| Q3 2025 | 6.28% | 2.08% | 4.32% | 7.65% | 1.20% |
| Q4 2025 | 6.21% | 2.01% | 4.30% | 7.32% | 1.30% |
| Q1 2026 | 6.14% | 1.95% | 4.29% | 7.16% | 1.36% |
| Q2 2026 | 6.16% | 2.02% | 4.23% | 7.34% | 1.43% |
Bank of Bozeman 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 Bozeman, 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 Bozeman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57952) · FFIEC NIC profile (RSSD 3308529)