Garfield County 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.
Compared with Q1 2026, Yield on loans rose 0.34 percentage points in Q2 2026 to 8.10%, the biggest move on this page. Garfield County Bank ranks 19th of 35 Montana banks on net interest margin, in the lower half at 4.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Garfield County Bank sits 0.20 points higher, at 4.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.73% |
| Yield on loans | 8.10% |
| Yield on securities | 3.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.92% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.32% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $949K |
| Total interest expense | $385K |
| Interest expense on deposits | $385K |
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 | 5.83% | 2.03% | 4.03% | 8.01% | 1.96% |
| Q4 2023 | 5.66% | 1.80% | 4.08% | 7.70% | 2.02% |
| Q1 2024 | 5.66% | 1.78% | 4.11% | 7.74% | 2.00% |
| Q2 2024 | 5.66% | 1.86% | 4.05% | 7.44% | 2.09% |
| Q3 2024 | 7.99% | 2.26% | 6.10% | 10.62% | 2.06% |
| Q4 2024 | 6.08% | 2.13% | 4.33% | 8.05% | 2.19% |
| Q1 2025 | 5.59% | 1.89% | 3.97% | 7.49% | 2.29% |
| Q2 2025 | 5.94% | 1.91% | 4.27% | 7.89% | 2.52% |
| Q3 2025 | 6.29% | 1.92% | 4.58% | 7.96% | 3.05% |
| Q4 2025 | 5.67% | 1.77% | 4.15% | 7.75% | 3.20% |
| Q1 2026 | 5.47% | 1.78% | 4.05% | 7.76% | 3.35% |
| Q2 2026 | 5.73% | 1.92% | 4.15% | 8.10% | 3.36% |
Garfield County 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 Garfield County 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 Garfield County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18164) · FFIEC NIC profile (RSSD 608358)