First Pioneer 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.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.43 percentage points to 2.40%. First Pioneer National Bank ranks 53rd of 63 Colorado banks on net interest margin, in the lower half at 3.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Pioneer National Bank sits 0.66 points lower, at 3.29% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.93% |
| Yield on loans | 6.53% |
| Yield on securities | 2.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | 2.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.29% |
| Yield to cost spread | 2.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $966K |
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 | 3.68% | 1.50% | 2.33% | 5.42% | 2.10% |
| Q4 2023 | 3.86% | 1.95% | 2.17% | 5.64% | 2.12% |
| Q1 2024 | 3.86% | 1.97% | 2.09% | 5.71% | 2.05% |
| Q2 2024 | 4.56% | 2.07% | 2.70% | 6.88% | 2.14% |
| Q3 2024 | 4.25% | 2.17% | 2.32% | 6.12% | 2.16% |
| Q4 2024 | 4.40% | 2.04% | 2.57% | 6.29% | 2.20% |
| Q1 2025 | 4.38% | 1.93% | 2.65% | 6.14% | 2.32% |
| Q2 2025 | 4.51% | 2.00% | 2.73% | 6.28% | 2.41% |
| Q3 2025 | 4.71% | 2.11% | 2.83% | 6.57% | 2.47% |
| Q4 2025 | 4.76% | 2.07% | 2.90% | 6.44% | 2.54% |
| Q1 2026 | 4.77% | 1.82% | 3.11% | 6.38% | 2.69% |
| Q2 2026 | 4.93% | 1.85% | 3.29% | 6.53% | 2.89% |
First Pioneer 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 First Pioneer 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 First Pioneer National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3063) · FFIEC NIC profile (RSSD 357553)