Davidson Trust Co.: 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 fell 0.25 percentage points from Q1 2026 to Q2 2026, ending at 3.50% against 3.75%. It was the largest change among the key lines on this page. Davidson Trust Co. ranks 31st of 35 Montana banks on net interest margin, in the lower half at 3.50% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Davidson Trust Co. sits 0.38 points lower, at 3.50% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.50% |
| Yield on loans | — |
| Yield on securities | 3.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.00% |
| Cost of interest-bearing deposits | 0.00% |
| Cost of interest-bearing liabilities | 0.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $0 |
| Interest expense on deposits | $0 |
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 | Securities |
|---|---|---|---|---|
| Q3 2023 | 3.30% | 0.00% | 3.30% | 3.30% |
| Q4 2023 | 3.55% | 0.00% | 3.55% | 3.55% |
| Q1 2024 | 3.33% | 0.00% | 3.33% | 3.33% |
| Q2 2024 | 3.47% | 0.00% | 3.47% | 3.47% |
| Q3 2024 | 3.49% | 0.00% | 3.49% | 3.49% |
| Q4 2024 | 3.68% | 0.00% | 3.68% | 3.68% |
| Q1 2025 | 3.59% | 0.00% | 3.59% | 3.59% |
| Q2 2025 | 3.48% | 0.00% | 3.48% | 3.48% |
| Q3 2025 | 3.57% | 0.00% | 3.57% | 3.57% |
| Q4 2025 | 3.70% | 0.00% | 3.70% | 3.70% |
| Q1 2026 | 3.75% | 0.00% | 3.75% | 3.75% |
| Q2 2026 | 3.50% | 0.00% | 3.50% | 3.50% |
Davidson Trust Co. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Davidson Trust Co., 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 Davidson Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35510) · FFIEC NIC profile (RSSD 644954)