The Colorado Bank and Trust Company of La Junta: 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 Total interest expense: 9.5% higher than in Q1 2026, at $1.3M. On net interest margin, The Colorado Bank and Trust Company of La Junta ranks 6th highest among the 63 banks headquartered in Colorado, at 5.27% (Q2 2026). The Colorado Bank and Trust Company of La Junta reported 5.27% on net interest margin for Q2 2026, 1.32 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.89% |
| Yield on loans | 7.58% |
| Yield on securities | 3.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.74% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.66% |
| Cost of borrowings | 4.68% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.27% |
| Yield to cost spread | 4.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
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 | 4.38% | 0.07% | 3.91% | 4.85% | 3.03% |
| Q4 2023 | 6.95% | 0.96% | 6.09% | 7.63% | 5.29% |
| Q1 2024 | 6.90% | 1.12% | 5.92% | 7.68% | 5.15% |
| Q2 2024 | 7.00% | 1.43% | 5.68% | 7.77% | 5.09% |
| Q3 2024 | 7.10% | 1.86% | 5.44% | 7.90% | 4.98% |
| Q4 2024 | 7.14% | 1.90% | 5.45% | 7.94% | 4.59% |
| Q1 2025 | 6.74% | 2.23% | 4.84% | 7.75% | 4.12% |
| Q2 2025 | 6.89% | 2.12% | 5.08% | 7.87% | 4.01% |
| Q3 2025 | 7.05% | 2.12% | 5.24% | 8.09% | 3.97% |
| Q4 2025 | 6.91% | 1.89% | 5.19% | 7.94% | 3.83% |
| Q1 2026 | 6.58% | 1.65% | 5.03% | 7.57% | 3.58% |
| Q2 2026 | 6.89% | 1.74% | 5.27% | 7.58% | 3.57% |
The Colorado Bank and Trust Company of La Junta yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Colorado Bank and Trust Company of La Junta, 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 The Colorado Bank and Trust Company of La Junta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1141) · FFIEC NIC profile (RSSD 285151)