The Bank of Star Valley: 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 Cost of borrowings: 0.87 percentage points higher than in Q1 2026, at 2.75%. The Bank of Star Valley ranks 7th of 24 Wyoming banks on net interest margin, in the upper half at 4.38% (Q2 2026). The Bank of Star Valley reported 4.38% on net interest margin for Q2 2026, 0.43 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.92% |
| Yield on loans | 7.32% |
| Yield on securities | 4.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 2.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
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 | 4.65% | 1.66% | 3.18% | 6.44% | 2.47% |
| Q4 2023 | 4.92% | 1.85% | 3.26% | 6.72% | 2.58% |
| Q1 2024 | 4.82% | 1.94% | 3.07% | 6.61% | 2.75% |
| Q2 2024 | 5.32% | 2.01% | 3.49% | 7.24% | 2.93% |
| Q3 2024 | 5.59% | 2.16% | 3.63% | 7.45% | 3.17% |
| Q4 2024 | 5.66% | 1.99% | 3.85% | 7.31% | 3.42% |
| Q1 2025 | 5.65% | 1.80% | 4.01% | 7.16% | 3.56% |
| Q2 2025 | 5.99% | 1.77% | 4.36% | 7.50% | 3.88% |
| Q3 2025 | 6.06% | 1.70% | 4.53% | 7.60% | 3.94% |
| Q4 2025 | 6.14% | 1.73% | 4.56% | 7.52% | 4.14% |
| Q1 2026 | 5.91% | 1.68% | 4.37% | 7.24% | 4.01% |
| Q2 2026 | 5.92% | 1.69% | 4.38% | 7.32% | 4.02% |
The Bank of Star Valley 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 Star Valley, 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 Star Valley profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34148) · FFIEC NIC profile (RSSD 2396604)