The First State Bank of Shelby: 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 Net interest margin, which rose 0.18 percentage points to 2.61%. The First State Bank of Shelby has the 1st lowest net interest margin of the 35 banks headquartered in Montana, at 2.61% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First State Bank of Shelby sits 1.34 points lower, at 2.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.75% |
| Yield on loans | 7.57% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.32% |
| Cost of interest-bearing deposits | 2.25% |
| Cost of interest-bearing liabilities | 2.25% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.61% |
| Yield to cost spread | 1.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $437K |
| Total interest expense | $480K |
| Interest expense on deposits | $480K |
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 | 3.21% | 1.40% | 1.99% | 6.94% | 2.57% |
| Q4 2023 | 3.14% | 1.59% | 1.83% | 7.14% | 2.44% |
| Q1 2024 | 3.04% | 1.71% | 1.62% | 7.23% | 2.35% |
| Q2 2024 | 3.00% | 1.74% | 1.59% | 7.43% | 2.12% |
| Q3 2024 | 3.40% | 1.79% | 1.86% | 7.82% | 2.36% |
| Q4 2024 | 3.46% | 1.72% | 1.96% | 7.85% | 2.43% |
| Q1 2025 | 3.58% | 1.58% | 2.17% | 7.81% | 2.69% |
| Q2 2025 | 3.73% | 1.62% | 2.32% | 7.96% | 2.77% |
| Q3 2025 | 3.87% | 1.61% | 2.44% | 8.12% | 2.93% |
| Q4 2025 | 3.75% | 1.53% | 2.47% | 7.87% | 2.91% |
| Q1 2026 | 3.62% | 1.38% | 2.43% | 7.57% | 2.93% |
| Q2 2026 | 3.75% | 1.32% | 2.61% | 7.57% | 3.01% |
The First State Bank of Shelby 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 Shelby, 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 Shelby profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11013) · FFIEC NIC profile (RSSD 686758)