Bankers' Bank of the West: 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 Cost of interest-bearing deposits, which rose 0.47 percentage points to 4.47%. Bankers' Bank of the West ranks 42nd of 63 Colorado banks on net interest margin, in the lower half at 3.80% (Q2 2026). Bankers' Bank of the West reported 3.80% on net interest margin for Q2 2026, 0.15 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.11% |
| Yield on loans | 6.51% |
| Yield on securities | 2.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.60% |
| Cost of interest-bearing deposits | 4.47% |
| Cost of interest-bearing liabilities | 3.58% |
| Cost of borrowings | 3.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 2.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $1.6M |
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 | 6.14% | 3.47% | 3.11% | 6.55% | 2.50% |
| Q4 2023 | 6.23% | 3.35% | 3.31% | 6.62% | 2.55% |
| Q1 2024 | 6.27% | 2.83% | 3.67% | 6.69% | 2.54% |
| Q2 2024 | 6.32% | 3.03% | 3.43% | 6.67% | 2.70% |
| Q3 2024 | 6.58% | 3.65% | 3.37% | 7.02% | 2.23% |
| Q4 2024 | 6.40% | 3.29% | 3.53% | 6.86% | 2.30% |
| Q1 2025 | 6.22% | 2.92% | 3.69% | 6.68% | 2.08% |
| Q2 2025 | 6.59% | 2.96% | 4.03% | 7.08% | 2.13% |
| Q3 2025 | 6.54% | 2.96% | 3.94% | 7.03% | 2.24% |
| Q4 2025 | 6.36% | 2.81% | 3.93% | 6.89% | 2.25% |
| Q1 2026 | 6.07% | 2.57% | 3.82% | 6.50% | 2.44% |
| Q2 2026 | 6.11% | 2.60% | 3.80% | 6.51% | 2.60% |
Bankers' Bank of the West yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankers' Bank of the West, 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 Bankers' Bank of the West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23210) · FFIEC NIC profile (RSSD 732758)