The 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, Total interest expense rose 6.4% in Q2 2026 to $8.4M, the biggest move on this page. On net interest margin, The Bank of Commerce ranks 2nd highest among the 10 banks headquartered in Idaho, at 4.57% (Q2 2026). The Bank of Commerce reported 4.57% on net interest margin for Q2 2026, 0.86 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | 7.08% |
| Yield on securities | 2.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.70% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | 2.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.57% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $30.6M |
| Total interest expense | $8.4M |
| Interest expense on deposits | $8.1M |
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 | 5.97% | 1.47% | 4.66% | 7.60% | 2.37% |
| Q4 2023 | 6.28% | 1.76% | 4.69% | 7.77% | 2.41% |
| Q1 2024 | 6.16% | 1.89% | 4.42% | 7.72% | 2.45% |
| Q2 2024 | 6.30% | 2.07% | 4.44% | 7.73% | 2.43% |
| Q3 2024 | 6.33% | 2.07% | 4.48% | 7.86% | 2.43% |
| Q4 2024 | 6.16% | 1.87% | 4.47% | 7.65% | 2.48% |
| Q1 2025 | 6.05% | 1.69% | 4.44% | 7.54% | 2.53% |
| Q2 2025 | 6.26% | 1.78% | 4.61% | 7.61% | 2.52% |
| Q3 2025 | 6.26% | 1.81% | 4.62% | 7.64% | 2.52% |
| Q4 2025 | 6.10% | 1.68% | 4.59% | 7.37% | 2.54% |
| Q1 2026 | 5.97% | 1.54% | 4.54% | 7.06% | 2.55% |
| Q2 2026 | 6.04% | 1.60% | 4.57% | 7.08% | 2.63% |
The 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 The 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 The Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18059) · FFIEC NIC profile (RSSD 324863)