The Converse County 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.
In Q2 2026, Yield on loans edged up by 0.17 percentage points, from 5.98% to 6.15%, the largest move among the key lines here. On net interest margin, The Converse County Bank is 1st from the bottom among 24 Wyoming banks, 2.31% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The Converse County Bank sits 1.40 points lower, at 2.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.57% |
| Yield on loans | 6.15% |
| Yield on securities | 4.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.50% |
| Cost of interest-bearing deposits | 2.88% |
| Cost of interest-bearing liabilities | 2.88% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.31% |
| Yield to cost spread | 1.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $6.1M |
| Interest expense on deposits | $6.1M |
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 | 4.57% | 2.20% | 2.56% | 5.36% | 4.10% |
| Q4 2023 | 4.87% | 2.25% | 2.80% | 5.50% | 4.30% |
| Q1 2024 | 4.70% | 2.31% | 2.62% | 5.63% | 4.36% |
| Q2 2024 | 5.11% | 2.44% | 2.88% | 5.77% | 4.48% |
| Q3 2024 | 5.09% | 2.52% | 2.81% | 6.08% | 4.58% |
| Q4 2024 | 4.94% | 2.56% | 2.64% | 5.96% | 4.43% |
| Q1 2025 | 4.79% | 2.56% | 2.47% | 5.92% | 4.25% |
| Q2 2025 | 4.77% | 2.58% | 2.43% | 5.96% | 4.26% |
| Q3 2025 | 4.84% | 2.66% | 2.44% | 6.07% | 4.31% |
| Q4 2025 | 4.68% | 2.63% | 2.30% | 6.04% | 4.21% |
| Q1 2026 | 4.52% | 2.53% | 2.24% | 5.98% | 4.07% |
| Q2 2026 | 4.57% | 2.50% | 2.31% | 6.15% | 4.07% |
The Converse County 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 The Converse County 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 The Converse County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12591) · FFIEC NIC profile (RSSD 72258)