Lamont Bank of St. John: 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 standout move of Q2 2026 was in Net interest margin: 2.83 percentage points higher than in Q1 2026, at 2.41%. Lamont Bank of St. John has the 3rd lowest net interest margin of the 29 banks headquartered in Washington, at 2.41% as of Q2 2026. Lamont Bank of St. John reported 2.41% on net interest margin for Q2 2026, 1.48 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.01% |
| Yield on loans | 4.61% |
| Yield on securities | 2.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.74% |
| Cost of interest-bearing deposits | 2.25% |
| Cost of interest-bearing liabilities | 2.25% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.41% |
| Yield to cost spread | 1.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $407K |
| Total interest expense | $210K |
| Interest expense on deposits | $209K |
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 | 5.13% | 3.71% | 2.43% | 6.73% | 2.11% |
| Q4 2023 | 5.10% | 3.59% | 2.34% | 6.20% | 3.03% |
| Q1 2024 | 4.91% | 2.37% | 3.04% | 6.74% | 1.66% |
| Q2 2024 | 5.17% | 2.92% | 2.87% | 6.97% | 1.73% |
| Q3 2024 | 5.43% | 4.13% | 2.20% | 7.17% | 1.76% |
| Q4 2024 | 4.59% | 3.14% | 1.89% | 5.52% | 1.64% |
| Q1 2025 | 4.70% | 2.63% | 2.36% | 5.86% | 1.94% |
| Q2 2025 | 4.87% | 2.62% | 2.58% | 5.83% | 2.00% |
| Q3 2025 | 5.68% | 2.09% | 3.83% | 6.79% | 2.07% |
| Q4 2025 | 1.43% | 1.35% | 0.16% | 0.69% | 2.09% |
| Q1 2026 | 1.16% | 1.62% | -0.42% | 0.36% | 2.18% |
| Q2 2026 | 4.01% | 1.74% | 2.41% | 4.61% | 2.34% |
Lamont Bank of St. John yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lamont Bank of St. John, 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 Lamont Bank of St. John profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8681) · FFIEC NIC profile (RSSD 519874)