Grand Valley 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.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 3.63% to 3.72%, the largest move among the key lines here. Within Utah, Grand Valley Bank is 37th of 44 on net interest margin, 3.72% 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. Grand Valley Bank sits 0.23 points lower, at 3.72% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.03% |
| Yield on loans | 6.95% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.44% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 2.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 4.73% | 1.30% | 3.52% | 7.11% | 2.39% |
| Q4 2023 | 4.92% | 1.43% | 3.60% | 7.30% | 2.42% |
| Q1 2024 | 4.96% | 1.58% | 3.50% | 7.38% | 2.45% |
| Q2 2024 | 5.11% | 1.69% | 3.56% | 7.54% | 2.54% |
| Q3 2024 | 5.24% | 1.79% | 3.60% | 7.76% | 2.67% |
| Q4 2024 | 5.18% | 1.67% | 3.65% | 7.55% | 2.88% |
| Q1 2025 | 4.97% | 1.54% | 3.54% | 7.16% | 2.89% |
| Q2 2025 | 5.11% | 1.56% | 3.66% | 7.31% | 2.89% |
| Q3 2025 | 5.19% | 1.60% | 3.72% | 7.47% | 2.96% |
| Q4 2025 | 5.12% | 1.52% | 3.73% | 7.25% | 3.03% |
| Q1 2026 | 4.94% | 1.43% | 3.63% | 6.91% | 3.08% |
| Q2 2026 | 5.03% | 1.44% | 3.72% | 6.95% | 3.19% |
Grand Valley 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 Grand Valley 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 Grand Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24922) · FFIEC NIC profile (RSSD 178851)