The First State Bank of Malta: 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 0.28 percentage points in Q2 2026 to 3.02%, the biggest move on this page. On net interest margin, The First State Bank of Malta is 2nd from the bottom among 35 Montana banks, 3.02% (Q2 2026). The First State Bank of Malta reported 3.02% on net interest margin for Q2 2026, 0.93 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.69% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.02% |
| Yield to cost spread | 2.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $789K |
| Interest expense on deposits | $789K |
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 |
|---|---|---|---|
| Q3 2023 | 3.89% | 2.22% | 1.92% |
| Q4 2023 | 4.67% | 2.34% | 2.58% |
| Q1 2024 | 4.22% | 2.40% | 2.09% |
| Q2 2024 | 4.40% | 2.36% | 2.32% |
| Q3 2024 | 4.49% | 2.53% | 2.23% |
| Q4 2024 | 4.18% | 2.38% | 2.10% |
| Q1 2025 | 4.22% | 2.18% | 2.28% |
| Q2 2025 | 4.51% | 2.14% | 2.63% |
| Q3 2025 | 5.11% | 2.13% | 3.24% |
| Q4 2025 | 4.74% | 2.02% | 2.98% |
| Q1 2026 | 4.40% | 1.89% | 2.74% |
| Q2 2026 | 4.69% | 1.90% | 3.02% |
The First State Bank of Malta yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank of Malta, 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 The First State Bank of Malta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1982) · FFIEC NIC profile (RSSD 615253)