First State Bank of Forsyth: 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, Net interest margin rose 0.36 percentage points in Q2 2026 to 4.04%, the biggest move on this page. First State Bank of Forsyth ranks 22nd of 35 Montana banks on net interest margin, in the lower half at 4.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; First State Bank of Forsyth reported 4.04% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.44% |
| Yield on loans | 7.44% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 1.75% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | 3.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $571K |
| Interest expense on deposits | $511K |
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 | 4.58% | 1.72% | 2.91% | 6.94% | 2.22% |
| Q4 2023 | 5.11% | 1.90% | 3.44% | 7.87% | 2.21% |
| Q1 2024 | 4.67% | 1.68% | 3.16% | 6.97% | 2.22% |
| Q2 2024 | 4.81% | 1.77% | 3.21% | 7.16% | 2.23% |
| Q3 2024 | 4.93% | 1.71% | 3.39% | 7.14% | 2.30% |
| Q4 2024 | 4.75% | 1.54% | 3.36% | 7.15% | 2.30% |
| Q1 2025 | 4.84% | 1.36% | 3.59% | 7.00% | 2.48% |
| Q2 2025 | 4.98% | 1.43% | 3.68% | 7.09% | 2.50% |
| Q3 2025 | 5.14% | 1.44% | 3.83% | 7.51% | 2.45% |
| Q4 2025 | 5.90% | 1.37% | 4.41% | 9.41% | 3.18% |
| Q1 2026 | 4.86% | 1.29% | 3.68% | 6.92% | 2.76% |
| Q2 2026 | 5.44% | 1.59% | 4.04% | 7.44% | 3.19% |
First State Bank of Forsyth 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 State Bank of Forsyth, 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 State Bank of Forsyth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8317) · FFIEC NIC profile (RSSD 597658)