FMS 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.
The standout move of Q2 2026 was in Cost of borrowings: 4.44 percentage points higher than in Q1 2026, at 4.44%. On net interest margin, FMS Bank ranks 3rd highest among the 63 banks headquartered in Colorado, at 5.42% (Q2 2026). FMS Bank reported 5.42% on net interest margin for Q2 2026, 1.48 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.34% |
| Yield on loans | 8.16% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.71% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | 4.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.42% |
| Yield to cost spread | 4.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $1.6M |
| 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 | 7.29% | 1.74% | 5.69% | 8.33% | 2.26% |
| Q4 2023 | 7.41% | 2.09% | 5.51% | 8.43% | 2.11% |
| Q1 2024 | 7.32% | 2.28% | 5.19% | 8.41% | 2.23% |
| Q2 2024 | 7.51% | 2.32% | 5.36% | 8.61% | 2.31% |
| Q3 2024 | 7.70% | 2.39% | 5.50% | 8.86% | 2.51% |
| Q4 2024 | 7.37% | 2.34% | 5.24% | 8.67% | 2.84% |
| Q1 2025 | 7.29% | 2.13% | 5.31% | 8.54% | 2.97% |
| Q2 2025 | 7.42% | 1.96% | 5.60% | 8.39% | 3.17% |
| Q3 2025 | 7.53% | 2.02% | 5.67% | 8.48% | 3.23% |
| Q4 2025 | 7.23% | 2.15% | 5.27% | 8.28% | 3.23% |
| Q1 2026 | 7.11% | 2.10% | 5.16% | 8.06% | 3.10% |
| Q2 2026 | 7.34% | 2.07% | 5.42% | 8.16% | 3.40% |
FMS 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 FMS 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 FMS Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23764) · FFIEC NIC profile (RSSD 257756)