Belt Valley Bank: 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 0.64 percentage points in Q2 2026, from 5.01% to 5.65%. It was the largest change from Q1 2026 among the key lines here. Among 35 Montana banks, Belt Valley Bank sits 2nd from the top on net interest margin, 5.65% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Belt Valley Bank sits 1.77 points higher, at 5.65% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.44% |
| Yield on loans | 8.30% |
| Yield on securities | 2.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.78% |
| Cost of interest-bearing liabilities | 2.69% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.65% |
| Yield to cost spread | 4.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $387K |
| Interest expense on deposits | $387K |
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 | 6.89% | 1.58% | 5.46% | 7.23% | 5.09% |
| Q4 2023 | 6.75% | 1.60% | 5.35% | 7.18% | 4.58% |
| Q1 2024 | 6.79% | 1.70% | 5.25% | 7.09% | 4.91% |
| Q2 2024 | 7.34% | 1.91% | 5.70% | 7.66% | 4.67% |
| Q3 2024 | 7.47% | 2.51% | 5.38% | 7.68% | 5.25% |
| Q4 2024 | 7.55% | 2.52% | 5.43% | 7.89% | 5.38% |
| Q1 2025 | 7.33% | 2.17% | 5.41% | 7.75% | 5.70% |
| Q2 2025 | 7.75% | 2.14% | 5.87% | 8.13% | 4.38% |
| Q3 2025 | 7.86% | 2.22% | 5.91% | 8.12% | 4.41% |
| Q4 2025 | 7.07% | 2.13% | 5.30% | 7.90% | 2.34% |
| Q1 2026 | 6.86% | 2.17% | 5.01% | 7.80% | 2.36% |
| Q2 2026 | 7.44% | 2.08% | 5.65% | 8.30% | 2.33% |
Belt Valley Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Belt Valley Bank, 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 Belt Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15362) · FFIEC NIC profile (RSSD 223751)