Idaho Trust 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 4.26%. Within Idaho, Idaho Trust Bank is 7th of 10 on net interest margin, 4.26% as of Q2 2026, below the middle of the field. Idaho Trust Bank reported 4.26% on net interest margin for Q2 2026, 0.31 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.52% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $729K |
| Interest expense on deposits | $729K |
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 |
|---|---|---|---|
| Q3 2023 | 5.09% | 1.20% | 3.97% |
| Q4 2023 | 5.27% | 1.46% | 3.96% |
| Q1 2024 | 5.19% | 2.01% | 3.33% |
| Q2 2024 | 5.29% | 2.08% | 3.40% |
| Q3 2024 | 5.62% | 2.12% | 3.66% |
| Q4 2024 | 5.53% | 1.78% | 4.01% |
| Q1 2025 | 5.49% | 1.52% | 4.10% |
| Q2 2025 | 5.66% | 1.68% | 4.14% |
| Q3 2025 | 5.60% | 1.63% | 4.11% |
| Q4 2025 | 5.42% | 1.58% | 4.02% |
| Q1 2026 | 5.38% | 1.31% | 4.18% |
| Q2 2026 | 5.52% | 1.38% | 4.26% |
Idaho Trust 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 Idaho Trust 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 Idaho Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35103) · FFIEC NIC profile (RSSD 2753917)