Flatirons 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.
Net interest margin climbed 0.41 percentage points in Q2 2026, from 3.80% to 4.21%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Flatirons Bank is 26th of 63 on net interest margin, 4.21% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Flatirons Bank sits 0.27 points higher, at 4.21% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | 6.89% |
| Yield on securities | 3.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.21% |
| Yield to cost spread | 3.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 5.27% | 2.56% | 2.89% | 5.88% | 2.99% |
| Q4 2023 | 5.19% | 2.62% | 2.79% | 5.86% | 2.82% |
| Q1 2024 | 5.22% | 2.58% | 2.75% | 5.88% | 2.90% |
| Q2 2024 | 5.56% | 2.58% | 3.07% | 6.25% | 2.87% |
| Q3 2024 | 5.75% | 2.42% | 3.37% | 6.47% | 2.86% |
| Q4 2024 | 5.73% | 2.36% | 3.46% | 6.54% | 2.88% |
| Q1 2025 | 5.45% | 1.99% | 3.50% | 6.23% | 2.87% |
| Q2 2025 | 5.75% | 1.91% | 3.89% | 6.62% | 2.88% |
| Q3 2025 | 5.67% | 1.88% | 3.82% | 6.57% | 2.88% |
| Q4 2025 | 5.58% | 1.72% | 3.91% | 6.57% | 2.92% |
| Q1 2026 | 5.50% | 1.67% | 3.80% | 6.43% | 2.93% |
| Q2 2026 | 5.85% | 1.70% | 4.21% | 6.89% | 3.11% |
Flatirons 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 Flatirons 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 Flatirons Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57280) · FFIEC NIC profile (RSSD 3022610)