Del Norte Bank, a Savings and Loan Association: 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 0.20 percentage points from Q1 2026 to Q2 2026, ending at 4.80% against 4.60%. It was the largest change among the key lines on this page. Within Colorado, Del Norte Bank, a Savings and Loan Association is 12th of 63 on net interest margin, 4.80% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Del Norte Bank, a Savings and Loan Association sits 0.85 points higher, at 4.80% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.71% |
| Yield on loans | 7.26% |
| Yield on securities | 1.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 4.10% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.80% |
| Yield to cost spread | 4.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $688K |
| Interest expense on deposits | $561K |
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 | 5.97% | 1.95% | 4.16% | 6.20% | 2.62% |
| Q4 2023 | 6.11% | 2.02% | 4.23% | 6.32% | 2.84% |
| Q1 2024 | 6.24% | 2.22% | 4.20% | 6.51% | 2.71% |
| Q2 2024 | 6.32% | 2.24% | 4.32% | 6.64% | 2.78% |
| Q3 2024 | 6.33% | 2.22% | 4.31% | 6.68% | 2.67% |
| Q4 2024 | 6.33% | 1.98% | 4.52% | 6.74% | 2.47% |
| Q1 2025 | 6.33% | 2.00% | 4.53% | 6.88% | 1.91% |
| Q2 2025 | 6.56% | 2.06% | 4.70% | 6.91% | 2.68% |
| Q3 2025 | 6.32% | 2.02% | 4.51% | 6.87% | 1.87% |
| Q4 2025 | 6.94% | 2.08% | 4.98% | 7.66% | 1.85% |
| Q1 2026 | 6.42% | 2.04% | 4.60% | 6.96% | 1.84% |
| Q2 2026 | 6.71% | 2.10% | 4.80% | 7.26% | 1.82% |
Del Norte Bank, a Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Del Norte Bank, a Savings and Loan Association, 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 Del Norte Bank, a Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29066) · FFIEC NIC profile (RSSD 705378)