DSRM National 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.
The standout move of Q2 2026 was in Yield to cost spread: 1.21 percentage points higher than in Q1 2026, at 0.48%. DSRM National Bank ranks 22nd of 29 New Mexico banks on net interest margin, in the lower half at 3.97% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin; DSRM National Bank reported 3.97% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.48% |
| Yield on loans | — |
| Yield on securities | 4.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 4.00% |
| Cost of interest-bearing deposits | 4.00% |
| Cost of interest-bearing liabilities | 4.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 0.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $5K |
| Interest expense on deposits | $5K |
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 | 2.06% | 6.40% | 1.19% | 1.90% |
| Q4 2023 | 2.35% | 5.60% | 1.56% | 2.09% |
| Q1 2024 | 2.32% | 5.60% | 1.58% | 2.19% |
| Q2 2024 | 2.75% | 6.40% | 1.87% | 2.53% |
| Q3 2024 | 3.03% | 5.60% | 2.24% | 2.99% |
| Q4 2024 | 3.77% | 5.60% | 2.97% | 3.68% |
| Q1 2025 | 3.68% | 4.80% | 2.96% | 3.66% |
| Q2 2025 | 3.92% | 5.60% | 3.14% | 4.06% |
| Q3 2025 | 3.62% | 5.60% | 2.83% | 3.61% |
| Q4 2025 | 4.00% | 4.80% | 3.33% | 4.02% |
| Q1 2026 | 4.07% | 4.80% | 3.42% | 4.21% |
| Q2 2026 | 4.48% | 4.00% | 3.97% | 4.55% |
DSRM National 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 DSRM National 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 DSRM National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34331) · FFIEC NIC profile (RSSD 2502825)