Champion 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 rose 0.18 percentage points from Q1 2026 to Q2 2026, ending at 3.92% against 3.74%. It was the largest change among the key lines on this page. Within Colorado, Champion Bank is 36th of 63 on net interest margin, 3.92% as of Q2 2026, below the middle of the field. At 3.92%, Champion Bank's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.14% |
| Yield on loans | 7.42% |
| Yield on securities | 3.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.64% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 2.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $264K |
| Total interest expense | $114K |
| Interest expense on deposits | $114K |
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 | 4.75% | 0.96% | 4.08% | 7.16% | 3.02% |
| Q4 2023 | 5.02% | 1.10% | 4.25% | 7.89% | 3.04% |
| Q1 2024 | 4.87% | 1.13% | 4.07% | 7.28% | 3.01% |
| Q2 2024 | 5.03% | 1.28% | 4.13% | 6.97% | 3.26% |
| Q3 2024 | 5.40% | 1.43% | 4.41% | 7.89% | 3.28% |
| Q4 2024 | 5.40% | 1.56% | 4.34% | 8.19% | 3.23% |
| Q1 2025 | 5.10% | 1.91% | 3.76% | 7.71% | 3.30% |
| Q2 2025 | 5.18% | 2.01% | 3.73% | 7.72% | 3.29% |
| Q3 2025 | 5.32% | 2.07% | 3.89% | 7.81% | 3.31% |
| Q4 2025 | 5.20% | 2.18% | 3.68% | 7.76% | 3.27% |
| Q1 2026 | 5.04% | 1.95% | 3.74% | 7.26% | 3.24% |
| Q2 2026 | 5.14% | 1.80% | 3.92% | 7.42% | 3.18% |
Champion 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 Champion 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 Champion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57031) · FFIEC NIC profile (RSSD 2901558)