The Eastern Colorado 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, Yield on securities fell 0.61 percentage points in Q2 2026 to 3.69%, the biggest move on this page. The Eastern Colorado Bank ranks 44th of 63 Colorado banks on net interest margin, in the lower half at 3.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Eastern Colorado Bank sits 0.22 points lower, at 3.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 6.31% |
| Yield on securities | 3.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 4.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.2M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.7M |
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 | 5.72% | 1.71% | 4.03% | 6.15% | 3.25% |
| Q4 2023 | 5.53% | 1.98% | 3.65% | 5.94% | 3.46% |
| Q1 2024 | 5.61% | 2.22% | 3.43% | 5.91% | 4.18% |
| Q2 2024 | 5.72% | 2.36% | 3.45% | 6.02% | 4.22% |
| Q3 2024 | 5.95% | 2.46% | 3.57% | 6.22% | 4.26% |
| Q4 2024 | 5.65% | 2.33% | 3.48% | 6.34% | 3.09% |
| Q1 2025 | 5.86% | 2.18% | 3.69% | 6.25% | 3.98% |
| Q2 2025 | 5.87% | 2.18% | 3.72% | 6.29% | 3.98% |
| Q3 2025 | 6.04% | 2.16% | 3.90% | 6.47% | 4.15% |
| Q4 2025 | 5.94% | 2.01% | 3.90% | 6.42% | 4.25% |
| Q1 2026 | 5.78% | 1.89% | 3.87% | 6.27% | 4.30% |
| Q2 2026 | 5.55% | 1.86% | 3.73% | 6.31% | 3.69% |
The Eastern Colorado 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 The Eastern Colorado 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 The Eastern Colorado Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16125) · FFIEC NIC profile (RSSD 775054)