Bank of Colorado: 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 0.20 percentage points from Q1 2026 to Q2 2026, ending at 3.64% against 3.44%. It was the largest change among the key lines on this page. Bank of Colorado ranks 47th of 63 Colorado banks on net interest margin, in the lower half at 3.64% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Bank of Colorado reported 3.64% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.97% |
| Yield on loans | 5.97% |
| Yield on securities | 2.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.46% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 2.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 2.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $79.5M |
| Total interest expense | $24.7M |
| Interest expense on deposits | $23.6M |
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 | 3.94% | 1.82% | 2.26% | 5.06% | 1.62% |
| Q4 2023 | 4.10% | 2.02% | 2.23% | 5.14% | 1.66% |
| Q1 2024 | 4.19% | 2.24% | 2.11% | 5.20% | 2.54% |
| Q2 2024 | 4.31% | 2.26% | 2.20% | 5.33% | 2.66% |
| Q3 2024 | 4.44% | 2.27% | 2.33% | 5.50% | 2.65% |
| Q4 2024 | 4.43% | 2.06% | 2.54% | 5.56% | 2.38% |
| Q1 2025 | 4.36% | 1.83% | 2.68% | 5.51% | 1.89% |
| Q2 2025 | 4.55% | 1.82% | 2.88% | 5.68% | 2.07% |
| Q3 2025 | 4.78% | 1.81% | 3.12% | 5.89% | 2.05% |
| Q4 2025 | 4.81% | 1.67% | 3.29% | 5.92% | 2.17% |
| Q1 2026 | 4.79% | 1.48% | 3.44% | 5.80% | 2.16% |
| Q2 2026 | 4.97% | 1.46% | 3.64% | 5.97% | 2.27% |
Bank of Colorado 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 Colorado, 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 Colorado profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16980) · FFIEC NIC profile (RSSD 255659)