Fowler State 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 Net interest margin, which rose 0.13 percentage points to 4.03%. Within Colorado, Fowler State Bank is 33rd of 63 on net interest margin, 4.03% as of Q2 2026. At 4.03%, Fowler State Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.17% |
| Yield on loans | 7.45% |
| Yield on securities | 2.83% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.55% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.81% |
| Cost of borrowings | 2.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.03% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $809K |
| Interest expense on deposits | $755K |
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 | 4.07% | 1.89% | 2.38% | 6.93% | 1.08% |
| Q4 2023 | 4.25% | 2.21% | 2.30% | 7.00% | 1.19% |
| Q1 2024 | 4.57% | 2.28% | 2.53% | 7.29% | 1.24% |
| Q2 2024 | 5.08% | 2.44% | 2.91% | 7.64% | 1.70% |
| Q3 2024 | 5.55% | 2.60% | 3.24% | 8.21% | 1.86% |
| Q4 2024 | 5.29% | 2.58% | 2.95% | 7.50% | 2.09% |
| Q1 2025 | 5.82% | 2.61% | 3.37% | 7.77% | 2.41% |
| Q2 2025 | 5.99% | 2.78% | 3.62% | 7.94% | 2.12% |
| Q3 2025 | 5.84% | 2.84% | 3.43% | 7.60% | 2.27% |
| Q4 2025 | 6.65% | 2.74% | 4.33% | 8.79% | 2.49% |
| Q1 2026 | 6.13% | 2.59% | 3.90% | 7.48% | 2.77% |
| Q2 2026 | 6.17% | 2.55% | 4.03% | 7.45% | 2.83% |
Fowler State 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 Fowler State 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 Fowler State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12372) · FFIEC NIC profile (RSSD 433859)