Evergreen 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.
Cost of borrowings climbed 4.85 percentage points in Q2 2026, from 3.95% to 8.80%. It was the largest change from Q1 2026 among the key lines here. Evergreen National Bank has the highest net interest margin of the 63 banks headquartered in Colorado, 5.71% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Evergreen National Bank sits 1.76 points higher, at 5.71% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.22% |
| Yield on loans | 7.26% |
| Yield on securities | 0.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.56% |
| Cost of interest-bearing deposits | 1.16% |
| Cost of interest-bearing liabilities | 1.28% |
| Cost of borrowings | 8.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.71% |
| Yield to cost spread | 4.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $162K |
| Interest expense on deposits | $147K |
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 | 4.82% | 0.00% | 4.82% | 6.58% | 1.00% |
| Q4 2023 | 5.19% | 0.30% | 4.91% | 6.74% | 1.00% |
| Q1 2024 | 5.32% | 0.11% | 5.22% | 6.84% | 0.99% |
| Q2 2024 | 6.17% | 0.30% | 5.86% | 9.19% | 0.99% |
| Q3 2024 | 5.54% | 0.52% | 5.08% | 7.19% | 0.95% |
| Q4 2024 | 5.37% | 0.48% | 4.94% | 6.97% | 0.82% |
| Q1 2025 | 5.37% | 0.52% | 4.88% | 7.02% | 0.82% |
| Q2 2025 | 5.54% | 0.59% | 4.99% | 7.11% | 0.82% |
| Q3 2025 | 5.85% | 0.67% | 5.25% | 7.34% | 0.82% |
| Q4 2025 | 5.93% | 0.57% | 5.40% | 7.26% | 0.86% |
| Q1 2026 | 6.11% | 0.45% | 5.69% | 7.11% | 0.85% |
| Q2 2026 | 6.22% | 0.56% | 5.71% | 7.26% | 0.84% |
Evergreen 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 Evergreen 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 Evergreen National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23404) · FFIEC NIC profile (RSSD 427858)