Eagle 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.
Cost of borrowings dropped 3.18 percentage points in Q2 2026, from 6.78% to 3.60%. It was the largest change from Q1 2026 among the key lines here. Within Montana, Eagle Bank is 4th of 35 on net interest margin, 5.28% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Eagle Bank sits 1.34 points higher, at 5.28% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.96% |
| Yield on securities | 4.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.58% |
| Cost of interest-bearing deposits | 0.66% |
| Cost of interest-bearing liabilities | 0.66% |
| Cost of borrowings | 3.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.28% |
| Yield to cost spread | 5.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $200K |
| Interest expense on deposits | $199K |
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 | 5.10% | 0.91% | 4.25% | 6.08% | 2.92% |
| Q4 2023 | 5.18% | 0.93% | 4.30% | 6.20% | 3.40% |
| Q1 2024 | 5.23% | 1.26% | 4.20% | 6.19% | 3.62% |
| Q2 2024 | 5.53% | 1.20% | 4.43% | 6.57% | 3.80% |
| Q3 2024 | 5.67% | 1.15% | 4.61% | 6.68% | 3.99% |
| Q4 2024 | 5.70% | 0.78% | 4.97% | 6.74% | 4.06% |
| Q1 2025 | 5.60% | 0.58% | 5.06% | 6.73% | 4.12% |
| Q2 2025 | 5.70% | 0.71% | 5.06% | 6.94% | 4.25% |
| Q3 2025 | 5.78% | 0.68% | 5.18% | 7.12% | 4.32% |
| Q4 2025 | 5.54% | 0.53% | 5.05% | 6.87% | 4.36% |
| Q1 2026 | 5.50% | 0.49% | 5.05% | 6.64% | 4.57% |
| Q2 2026 | 5.75% | 0.58% | 5.28% | 6.96% | 4.25% |
Eagle 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 Eagle 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 Eagle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58282) · FFIEC NIC profile (RSSD 3346633)