The Bank of Clovis: 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 0.18 percentage points in Q2 2026 to 4.50%, the biggest move on this page. Within New Mexico, The Bank of Clovis is 11th of 29 on net interest margin, 4.50% 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. The Bank of Clovis sits 0.55 points higher, at 4.50% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 8.04% |
| Yield on securities | 3.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | 1.41% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.50% |
| Yield to cost spread | 3.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 5.33% | 1.64% | 3.79% | 6.98% | 2.39% |
| Q4 2023 | 5.58% | 1.83% | 3.83% | 7.29% | 2.57% |
| Q1 2024 | 5.68% | 1.80% | 3.98% | 7.61% | 2.61% |
| Q2 2024 | 6.28% | 1.80% | 4.61% | 8.53% | 2.64% |
| Q3 2024 | 5.82% | 1.84% | 4.15% | 7.96% | 2.78% |
| Q4 2024 | 5.58% | 1.85% | 3.88% | 7.45% | 2.95% |
| Q1 2025 | 5.66% | 1.49% | 4.26% | 7.81% | 3.07% |
| Q2 2025 | 5.90% | 1.52% | 4.46% | 7.98% | 3.28% |
| Q3 2025 | 6.04% | 1.51% | 4.61% | 8.18% | 3.36% |
| Q4 2025 | 5.77% | 1.51% | 4.35% | 8.05% | 3.41% |
| Q1 2026 | 5.68% | 1.42% | 4.32% | 7.80% | 3.48% |
| Q2 2026 | 5.86% | 1.42% | 4.50% | 8.04% | 3.58% |
The Bank of Clovis 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 Clovis, 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 Clovis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57022) · FFIEC NIC profile (RSSD 2948423)