Bank of Montana: 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 climbed 0.46 percentage points in Q2 2026, from 3.06% to 3.52%. It was the largest change from Q1 2026 among the key lines here. Within Montana, Bank of Montana is 30th of 35 on net interest margin, 3.52% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Montana sits 0.43 points lower, at 3.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.74% |
| Yield on loans | 7.04% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 2.98% |
| Cost of interest-bearing liabilities | 2.98% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.52% |
| Yield to cost spread | 1.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $998K |
| Interest expense on deposits | $998K |
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 | 5.81% | 0.85% | 5.03% | 6.82% | 0.00% |
| Q4 2023 | 6.18% | 0.96% | 5.37% | 7.05% | 0.00% |
| Q1 2024 | 5.69% | 0.85% | 4.91% | 7.12% | 0.00% |
| Q2 2024 | 6.48% | 0.90% | 5.62% | 7.60% | 0.00% |
| Q3 2024 | 5.82% | 0.92% | 4.99% | 7.54% | 0.00% |
| Q4 2024 | 5.98% | 1.10% | 5.08% | 7.60% | 0.00% |
| Q1 2025 | 5.29% | 1.22% | 4.18% | 7.43% | 0.00% |
| Q2 2025 | 5.53% | 1.26% | 4.32% | 7.35% | 0.00% |
| Q3 2025 | 4.93% | 1.46% | 3.59% | 7.41% | 0.00% |
| Q4 2025 | 5.20% | 1.44% | 3.91% | 7.47% | 0.00% |
| Q1 2026 | 4.30% | 1.37% | 3.06% | 7.13% | 0.00% |
| Q2 2026 | 4.74% | 1.34% | 3.52% | 7.04% | 0.00% |
Bank of Montana 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 Montana, 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 Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58482) · FFIEC NIC profile (RSSD 3470097)