Bank of Commerce: 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 0.21 percentage points in Q2 2026 to 4.21%, the biggest move on this page. Within Wyoming, Bank of Commerce is 14th of 24 on net interest margin, 4.21% as of Q2 2026, below the middle of the field. Bank of Commerce 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 | 5.48% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 1.79% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | 1.54% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.21% |
| Yield to cost spread | 3.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $664K |
| Interest expense on deposits | $651K |
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 |
|---|---|---|---|
| Q3 2023 | 4.77% | 1.23% | 3.61% |
| Q4 2023 | 5.06% | 1.41% | 3.71% |
| Q1 2024 | 4.81% | 1.39% | 3.46% |
| Q2 2024 | 5.10% | 1.39% | 3.78% |
| Q3 2024 | 5.24% | 1.41% | 3.89% |
| Q4 2024 | 5.21% | 1.35% | 3.93% |
| Q1 2025 | 5.21% | 1.23% | 4.05% |
| Q2 2025 | 5.40% | 1.30% | 4.16% |
| Q3 2025 | 5.47% | 1.30% | 4.24% |
| Q4 2025 | 5.52% | 1.25% | 4.34% |
| Q1 2026 | 5.28% | 1.37% | 4.00% |
| Q2 2026 | 5.48% | 1.35% | 4.21% |
Bank of Commerce 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 Commerce, 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 Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22639) · FFIEC NIC profile (RSSD 547550)