Bank of the Rockies: 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: 0.96 percentage points lower than in Q1 2026, at 3.05%. Within Montana, Bank of the Rockies is 5th of 35 on net interest margin, 5.06% as of Q2 2026, above the middle of the field. Bank of the Rockies reported 5.06% on net interest margin for Q2 2026, 1.11 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.49% |
| Yield on loans | 7.33% |
| Yield on securities | 3.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.61% |
| Cost of borrowings | 3.05% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.06% |
| Yield to cost spread | 4.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $923K |
| Interest expense on deposits | $820K |
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 | 6.05% | 1.22% | 4.89% | 6.68% | 3.68% |
| Q4 2023 | 5.29% | 1.21% | 4.14% | 6.57% | 0.75% |
| Q1 2024 | 6.22% | 1.65% | 4.76% | 6.92% | 3.75% |
| Q2 2024 | 6.37% | 1.80% | 4.69% | 7.24% | 3.21% |
| Q3 2024 | 6.48% | 1.84% | 4.75% | 7.31% | 3.58% |
| Q4 2024 | 6.51% | 1.77% | 4.84% | 7.46% | 3.42% |
| Q1 2025 | 6.39% | 1.73% | 4.75% | 7.14% | 3.32% |
| Q2 2025 | 6.35% | 1.76% | 4.70% | 7.15% | 3.37% |
| Q3 2025 | 6.20% | 1.72% | 4.55% | 6.93% | 3.41% |
| Q4 2025 | 6.73% | 1.60% | 5.19% | 7.96% | 2.90% |
| Q1 2026 | 6.33% | 1.53% | 4.90% | 7.11% | 3.57% |
| Q2 2026 | 6.49% | 1.53% | 5.06% | 7.33% | 3.69% |
Bank of the Rockies 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 the Rockies, 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 the Rockies profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2205) · FFIEC NIC profile (RSSD 475756)