First Security Bank of Roundup: 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 loans fell 0.31 percentage points in Q2 2026 to 7.38%, the biggest move on this page. Within Montana, First Security Bank of Roundup is 8th of 35 on net interest margin, 4.73% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. First Security Bank of Roundup sits 0.84 points higher, at 4.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.05% |
| Yield on loans | 7.38% |
| Yield on securities | 3.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.36% |
| Cost of interest-bearing deposits | 0.43% |
| Cost of interest-bearing liabilities | 0.54% |
| Cost of borrowings | 300.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.73% |
| Yield to cost spread | 4.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $554K |
| Total interest expense | $71K |
| Interest expense on deposits | $56K |
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 | 3.80% | 0.31% | 3.51% | 7.57% | 1.55% |
| Q4 2023 | 3.98% | 0.33% | 3.67% | 7.67% | 1.66% |
| Q1 2024 | 4.13% | 0.36% | 3.79% | 7.89% | 1.84% |
| Q2 2024 | 4.22% | 0.54% | 3.72% | 7.53% | 1.91% |
| Q3 2024 | 4.57% | 0.45% | 4.16% | 7.83% | 2.02% |
| Q4 2024 | 4.83% | 0.38% | 4.47% | 8.30% | 2.46% |
| Q1 2025 | 4.85% | 0.36% | 4.52% | 8.70% | 2.80% |
| Q2 2025 | 4.78% | 0.42% | 4.38% | 7.77% | 2.95% |
| Q3 2025 | 5.03% | 0.38% | 4.68% | 7.94% | 3.22% |
| Q4 2025 | 4.93% | 0.34% | 4.61% | 7.73% | 3.36% |
| Q1 2026 | 4.89% | 0.34% | 4.58% | 7.69% | 3.61% |
| Q2 2026 | 5.05% | 0.36% | 4.73% | 7.38% | 3.86% |
First Security Bank of Roundup 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 Security Bank of Roundup, 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 Security Bank of Roundup profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20479) · FFIEC NIC profile (RSSD 625056)