Elevate Bank, N.A.: 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 biggest quarter-over-quarter change on this page was a small one: Cost of funds edged up 0.13 percentage points between Q1 2026 and Q2 2026, to 1.38%. On net interest margin, Elevate Bank, N.A. ranks 6th highest among the 182 banks headquartered in Kansas, at 5.35% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Elevate Bank, N.A. sits 1.46 points higher, at 5.35% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.58% |
| Yield on loans | 7.16% |
| Yield on securities | 4.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.35% |
| Yield to cost spread | 4.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $800K |
| Total interest expense | $183K |
| Interest expense on deposits | $183K |
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 | 6.05% | 0.48% | 5.60% | 7.42% | 4.63% |
| Q4 2023 | 6.55% | 0.41% | 6.16% | 7.97% | 4.99% |
| Q1 2024 | 6.33% | 0.38% | 5.96% | 7.52% | 4.87% |
| Q2 2024 | 6.34% | 0.62% | 5.76% | 7.49% | 4.82% |
| Q3 2024 | 6.78% | 0.80% | 6.06% | 8.09% | 4.84% |
| Q4 2024 | 6.68% | 0.94% | 5.83% | 7.92% | 4.95% |
| Q1 2025 | 6.44% | 0.84% | 5.69% | 7.68% | 4.96% |
| Q2 2025 | 6.75% | 0.71% | 6.11% | 7.72% | 4.98% |
| Q3 2025 | 6.80% | 0.80% | 6.06% | 7.55% | 4.95% |
| Q4 2025 | 7.17% | 0.95% | 6.26% | 8.03% | 5.21% |
| Q1 2026 | 6.57% | 1.25% | 5.41% | 7.13% | 4.63% |
| Q2 2026 | 6.58% | 1.38% | 5.35% | 7.16% | 4.59% |
Elevate Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Elevate Bank, N.A., 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 Elevate Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4770) · FFIEC NIC profile (RSSD 195157)