The Gunnison Bank and Trust Company: 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, Net interest margin rose 0.34 percentage points in Q2 2026 to 5.45%, the biggest move on this page. Among 63 Colorado banks, The Gunnison Bank and Trust Company sits 2nd from the top on net interest margin, 5.45% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Gunnison Bank and Trust Company sits 1.50 points higher, at 5.45% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.48% |
| Yield on loans | 7.43% |
| Yield on securities | 2.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.08% |
| Cost of interest-bearing deposits | 1.78% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | 3.96% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.45% |
| Yield to cost spread | 4.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $582K |
| Interest expense on deposits | $483K |
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 | 5.54% | 0.70% | 4.88% | 7.21% | 1.96% |
| Q4 2023 | 5.62% | 0.77% | 4.90% | 7.29% | 1.89% |
| Q1 2024 | 5.77% | 0.99% | 4.83% | 7.40% | 2.07% |
| Q2 2024 | 5.95% | 1.23% | 4.77% | 7.44% | 1.90% |
| Q3 2024 | 6.19% | 1.34% | 4.95% | 7.57% | 1.96% |
| Q4 2024 | 6.10% | 1.25% | 4.93% | 7.59% | 1.83% |
| Q1 2025 | 5.98% | 0.97% | 5.06% | 7.26% | 1.98% |
| Q2 2025 | 6.22% | 1.08% | 5.20% | 7.38% | 1.85% |
| Q3 2025 | 6.33% | 1.19% | 5.24% | 7.63% | 2.13% |
| Q4 2025 | 6.04% | 1.16% | 4.97% | 7.37% | 2.01% |
| Q1 2026 | 6.09% | 1.05% | 5.11% | 7.23% | 2.22% |
| Q2 2026 | 6.48% | 1.08% | 5.45% | 7.43% | 2.56% |
The Gunnison Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Gunnison Bank and Trust Company, 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 The Gunnison Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11259) · FFIEC NIC profile (RSSD 502559)