Bank of Estes Park: 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.44 percentage points to 3.32%. Within Colorado, Bank of Estes Park is 21st of 63 on net interest margin, 4.37% as of Q2 2026, above the middle of the field. Bank of Estes Park reported 4.37% on net interest margin for Q2 2026, 0.42 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | 6.79% |
| Yield on securities | 3.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.06% |
| Cost of interest-bearing deposits | 1.35% |
| Cost of interest-bearing liabilities | 1.35% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.37% |
| Yield to cost spread | 4.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $404K |
| Interest expense on deposits | $404K |
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 | 4.15% | 0.81% | 3.41% | 5.42% | 2.21% |
| Q4 2023 | 4.44% | 1.02% | 3.49% | 5.77% | 2.20% |
| Q1 2024 | 4.45% | 1.16% | 3.37% | 5.81% | 2.20% |
| Q2 2024 | 4.60% | 1.18% | 3.50% | 5.94% | 2.12% |
| Q3 2024 | 4.76% | 1.15% | 3.69% | 6.15% | 2.21% |
| Q4 2024 | 4.85% | 1.09% | 3.83% | 6.15% | 2.43% |
| Q1 2025 | 5.15% | 0.98% | 4.22% | 6.70% | 2.44% |
| Q2 2025 | 5.31% | 0.95% | 4.38% | 6.69% | 2.37% |
| Q3 2025 | 5.43% | 1.04% | 4.44% | 6.85% | 2.70% |
| Q4 2025 | 5.49% | 1.10% | 4.46% | 6.72% | 2.93% |
| Q1 2026 | 5.36% | 1.02% | 4.40% | 6.71% | 2.88% |
| Q2 2026 | 5.43% | 1.06% | 4.37% | 6.79% | 3.32% |
Bank of Estes Park 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 Estes Park, 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 Estes Park profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19351) · FFIEC NIC profile (RSSD 550354)