Bankcda: 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 Net interest margin, which rose 0.16 percentage points to 4.53%. Among 10 Idaho banks, Bankcda sits 3rd from the top on net interest margin, 4.53% as of Q2 2026. Bankcda reported 4.53% on net interest margin for Q2 2026, 0.59 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | 6.49% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.90% |
| Cost of interest-bearing deposits | 1.14% |
| Cost of interest-bearing liabilities | 1.16% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.53% |
| Yield to cost spread | 4.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $460K |
| Interest expense on deposits | $447K |
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 | 4.32% | 0.84% | 3.54% | 6.11% | 2.35% |
| Q4 2023 | 4.43% | 1.03% | 3.48% | 6.27% | 2.46% |
| Q1 2024 | 4.62% | 1.34% | 3.38% | 6.50% | 2.49% |
| Q2 2024 | 4.69% | 1.47% | 3.33% | 6.50% | 2.60% |
| Q3 2024 | 4.89% | 1.59% | 3.43% | 6.73% | 2.64% |
| Q4 2024 | 5.01% | 1.46% | 3.68% | 6.76% | 2.72% |
| Q1 2025 | 5.11% | 1.41% | 3.80% | 6.64% | 2.75% |
| Q2 2025 | 5.42% | 1.23% | 4.29% | 6.80% | 2.83% |
| Q3 2025 | 5.57% | 1.24% | 4.43% | 7.08% | 3.01% |
| Q4 2025 | 5.26% | 1.14% | 4.21% | 6.55% | 3.34% |
| Q1 2026 | 5.26% | 0.97% | 4.37% | 6.42% | 3.39% |
| Q2 2026 | 5.35% | 0.90% | 4.53% | 6.49% | 3.51% |
Bankcda yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankcda, 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 Bankcda profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57074) · FFIEC NIC profile (RSSD 3010363)