Frontier 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.
Cost of borrowings climbed 1.68 percentage points in Q2 2026, from 0.00% to 1.68%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Frontier Bank is 31st of 63 on net interest margin, 4.06% as of Q2 2026. Frontier Bank reported 4.06% on net interest margin for Q2 2026, 0.12 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.49% |
| Yield on loans | 7.21% |
| Yield on securities | 3.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | 1.68% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| 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 | 4.51% | 1.57% | 3.08% | 6.16% | 2.97% |
| Q4 2023 | 4.71% | 1.82% | 3.06% | 6.40% | 3.02% |
| Q1 2024 | 4.61% | 1.96% | 2.83% | 6.32% | 3.14% |
| Q2 2024 | 4.92% | 2.09% | 3.01% | 6.68% | 3.24% |
| Q3 2024 | 4.97% | 2.18% | 3.00% | 6.73% | 3.38% |
| Q4 2024 | 4.98% | 2.05% | 3.14% | 6.77% | 3.29% |
| Q1 2025 | 4.87% | 1.79% | 3.25% | 6.66% | 3.31% |
| Q2 2025 | 5.30% | 1.76% | 3.62% | 6.88% | 3.79% |
| Q3 2025 | 5.57% | 1.77% | 3.91% | 7.39% | 3.83% |
| Q4 2025 | 5.46% | 1.69% | 3.89% | 7.18% | 3.85% |
| Q1 2026 | 5.34% | 1.51% | 3.92% | 7.05% | 3.86% |
| Q2 2026 | 5.49% | 1.54% | 4.06% | 7.21% | 3.92% |
Frontier 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 Frontier 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 Frontier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14730) · FFIEC NIC profile (RSSD 191355)