D.L. Evans 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.
Compared with Q1 2026, Net interest margin rose 0.13 percentage points in Q2 2026 to 3.41%, the biggest move on this page. On net interest margin, D.L. Evans Bank is 2nd from the bottom among 10 Idaho banks, 3.41% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. D.L. Evans Bank sits 0.30 points lower, at 3.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.08% |
| Yield on loans | 7.10% |
| Yield on securities | 2.81% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | 3.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $32.0M |
| Total interest expense | $14.8M |
| Interest expense on deposits | $13.4M |
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 | 4.49% | 1.09% | 3.15% | 6.63% | 2.12% |
| Q4 2023 | 4.60% | 1.22% | 3.10% | 6.73% | 2.17% |
| Q1 2024 | 4.63% | 1.38% | 2.96% | 6.70% | 2.30% |
| Q2 2024 | 4.74% | 1.42% | 3.03% | 6.83% | 2.39% |
| Q3 2024 | 4.92% | 1.55% | 3.06% | 7.05% | 2.43% |
| Q4 2024 | 4.92% | 1.52% | 3.08% | 6.99% | 2.61% |
| Q1 2025 | 4.83% | 1.50% | 3.04% | 6.84% | 2.61% |
| Q2 2025 | 4.96% | 1.53% | 3.14% | 6.97% | 2.63% |
| Q3 2025 | 5.06% | 1.51% | 3.26% | 7.09% | 2.65% |
| Q4 2025 | 5.07% | 1.39% | 3.40% | 7.12% | 2.70% |
| Q1 2026 | 4.95% | 1.39% | 3.28% | 6.94% | 2.74% |
| Q2 2026 | 5.08% | 1.41% | 3.41% | 7.10% | 2.81% |
D.L. Evans 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 D.L. Evans 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 D.L. Evans Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11666) · FFIEC NIC profile (RSSD 543262)