Bank of Eastern Oregon: 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.
The standout move of Q2 2026 was in Net interest margin: 0.39 percentage points higher than in Q1 2026, at 5.96%. Bank of Eastern Oregon has the highest net interest margin of the 12 banks headquartered in Oregon, 5.96% as of Q2 2026. Bank of Eastern Oregon's net interest margin of 5.96% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.01 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.56% |
| Yield on loans | 7.41% |
| Yield on securities | 4.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.65% |
| Cost of interest-bearing deposits | 0.88% |
| Cost of interest-bearing liabilities | 0.88% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.96% |
| Yield to cost spread | 5.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.0M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 6.44% | 0.34% | 6.11% | 7.80% | 3.78% |
| Q4 2023 | 6.52% | 0.40% | 6.13% | 7.85% | 3.93% |
| Q1 2024 | 6.54% | 0.45% | 6.10% | 7.91% | 3.96% |
| Q2 2024 | 6.46% | 0.49% | 6.01% | 7.53% | 3.95% |
| Q3 2024 | 6.69% | 0.69% | 6.04% | 7.79% | 3.96% |
| Q4 2024 | 7.32% | 0.56% | 6.80% | 8.81% | 3.97% |
| Q1 2025 | 6.32% | 0.62% | 5.74% | 7.33% | 4.04% |
| Q2 2025 | 6.73% | 0.65% | 6.12% | 7.68% | 4.08% |
| Q3 2025 | 6.64% | 0.71% | 5.97% | 7.56% | 4.12% |
| Q4 2025 | 6.40% | 0.68% | 5.77% | 7.49% | 4.12% |
| Q1 2026 | 6.17% | 0.63% | 5.57% | 7.31% | 4.04% |
| Q2 2026 | 6.56% | 0.65% | 5.96% | 7.41% | 4.05% |
Bank of Eastern Oregon 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 Eastern Oregon, 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 Eastern Oregon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16243) · FFIEC NIC profile (RSSD 14865)