High Plains 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.
Total interest expense climbed 31.4% in Q2 2026, from $2.1M to $2.8M. It was the largest change from Q1 2026 among the key lines here. Within Colorado, High Plains Bank is 19th of 63 on net interest margin, 4.51% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. High Plains Bank sits 0.56 points higher, at 4.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.49% |
| Yield on loans | 6.85% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.91% |
| Cost of interest-bearing liabilities | 2.90% |
| Cost of borrowings | 2.33% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.51% |
| Yield to cost spread | 3.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.9M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.7M |
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 | 6.00% | 1.75% | 4.33% | 6.71% | 1.95% |
| Q4 2023 | 6.35% | 1.83% | 4.60% | 7.04% | 2.02% |
| Q1 2024 | 6.26% | 2.07% | 4.33% | 6.89% | 2.07% |
| Q2 2024 | 6.66% | 2.25% | 4.54% | 7.20% | 2.47% |
| Q3 2024 | 6.89% | 2.33% | 4.70% | 7.42% | 3.29% |
| Q4 2024 | 6.90% | 2.35% | 4.66% | 7.36% | 3.78% |
| Q1 2025 | 6.45% | 2.19% | 4.40% | 6.76% | 3.91% |
| Q2 2025 | 6.75% | 2.15% | 4.73% | 7.08% | 3.97% |
| Q3 2025 | 6.86% | 2.20% | 4.74% | 7.21% | 3.94% |
| Q4 2025 | 6.95% | 2.17% | 4.87% | 7.30% | 4.04% |
| Q1 2026 | 6.63% | 2.07% | 4.67% | 6.99% | 3.97% |
| Q2 2026 | 6.49% | 2.01% | 4.51% | 6.85% | 3.68% |
High Plains 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 High Plains 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 High Plains Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3017) · FFIEC NIC profile (RSSD 247551)