Four Corners Community 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 6.2% to $2.8M. Within New Mexico, Four Corners Community Bank is 16th of 29 on net interest margin, 4.27% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Four Corners Community Bank sits 0.32 points higher, at 4.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 6.83% |
| Yield on securities | 4.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.64% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | 2.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.5M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.6M |
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 | 5.33% | 1.03% | 4.42% | 6.45% | 2.55% |
| Q4 2023 | 5.56% | 1.28% | 4.41% | 6.57% | 2.94% |
| Q1 2024 | 5.51% | 1.51% | 4.16% | 6.48% | 2.96% |
| Q2 2024 | 5.52% | 1.72% | 3.98% | 6.49% | 3.05% |
| Q3 2024 | 5.87% | 1.93% | 4.15% | 6.81% | 3.62% |
| Q4 2024 | 6.04% | 1.86% | 4.38% | 7.20% | 3.56% |
| Q1 2025 | 5.59% | 1.77% | 4.00% | 6.55% | 3.57% |
| Q2 2025 | 5.70% | 1.81% | 4.07% | 6.55% | 4.01% |
| Q3 2025 | 5.95% | 1.93% | 4.21% | 6.85% | 4.14% |
| Q4 2025 | 5.96% | 1.94% | 4.21% | 6.70% | 4.42% |
| Q1 2026 | 5.80% | 1.87% | 4.11% | 6.57% | 4.26% |
| Q2 2026 | 6.02% | 1.94% | 4.27% | 6.83% | 4.35% |
Four Corners Community 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 Four Corners Community 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 Four Corners Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35441) · FFIEC NIC profile (RSSD 2855866)