Gunnison Savings and Loan Association: 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 securities rose 0.36 percentage points in Q2 2026 to 3.02%, the biggest move on this page. Gunnison Savings and Loan Association has the 5th lowest net interest margin of the 63 banks headquartered in Colorado, at 2.77% as of Q2 2026. Gunnison Savings and Loan Association reported 2.77% on net interest margin for Q2 2026, 1.18 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.75% |
| Yield on loans | 5.94% |
| Yield on securities | 3.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | 3.54% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.77% |
| Yield to cost spread | 2.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $860K |
| Total interest expense | $481K |
| Interest expense on deposits | $429K |
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 | 3.29% | 1.31% | 2.13% | 4.84% | 1.58% |
| Q4 2023 | 3.25% | 1.44% | 1.98% | 4.78% | 1.59% |
| Q1 2024 | 3.37% | 1.65% | 1.94% | 4.84% | 1.60% |
| Q2 2024 | 3.56% | 1.77% | 2.00% | 5.05% | 1.66% |
| Q3 2024 | 3.70% | 1.86% | 2.07% | 5.20% | 1.63% |
| Q4 2024 | 3.71% | 1.96% | 1.97% | 5.20% | 1.63% |
| Q1 2025 | 3.79% | 2.01% | 2.01% | 5.29% | 1.77% |
| Q2 2025 | 3.94% | 2.06% | 2.11% | 5.40% | 1.92% |
| Q3 2025 | 4.14% | 2.11% | 2.28% | 5.49% | 2.21% |
| Q4 2025 | 4.50% | 2.11% | 2.64% | 5.92% | 2.52% |
| Q1 2026 | 4.51% | 2.10% | 2.64% | 5.80% | 2.66% |
| Q2 2026 | 4.75% | 2.17% | 2.77% | 5.94% | 3.02% |
Gunnison Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gunnison Savings and Loan Association, 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 Gunnison Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30388) · FFIEC NIC profile (RSSD 388874)