First Montana Bank, Inc.: 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: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 3.68%. Within Montana, First Montana Bank, Inc. is 28th of 35 on net interest margin, 3.68% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Montana Bank, Inc. sits 0.27 points lower, at 3.68% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.06% |
| Yield on loans | 6.64% |
| Yield on securities | 1.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.07% |
| Cost of interest-bearing deposits | 1.60% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.2M |
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 | 4.47% | 1.06% | 3.07% | 5.94% | 1.69% |
| Q4 2023 | 4.57% | 1.25% | 2.92% | 6.05% | 1.75% |
| Q1 2024 | 4.57% | 1.36% | 2.84% | 6.00% | 1.78% |
| Q2 2024 | 4.81% | 1.39% | 3.01% | 6.16% | 1.96% |
| Q3 2024 | 4.88% | 1.39% | 3.07% | 6.29% | 1.97% |
| Q4 2024 | 4.96% | 1.39% | 3.21% | 6.44% | 2.00% |
| Q1 2025 | 4.75% | 1.34% | 3.09% | 6.18% | 1.96% |
| Q2 2025 | 5.03% | 1.29% | 3.38% | 6.52% | 1.91% |
| Q3 2025 | 5.01% | 1.29% | 3.36% | 6.60% | 1.95% |
| Q4 2025 | 4.99% | 1.22% | 3.42% | 6.53% | 1.98% |
| Q1 2026 | 4.97% | 1.09% | 3.57% | 6.53% | 1.95% |
| Q2 2026 | 5.06% | 1.07% | 3.68% | 6.64% | 1.95% |
First Montana Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Montana Bank, Inc., 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 First Montana Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 363) · FFIEC NIC profile (RSSD 613156)