Little Horn State 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.
Compared with Q1 2026, Total interest expense rose 3.0% in Q2 2026 to $2.8M, the biggest move on this page. Little Horn State Bank ranks 15th of 35 Montana banks on net interest margin, in the upper half at 4.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Little Horn State Bank sits 0.29 points higher, at 4.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.04% |
| Yield on loans | 7.53% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.05% |
| Cost of interest-bearing deposits | 3.32% |
| Cost of interest-bearing liabilities | 3.39% |
| Cost of borrowings | 4.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.5M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.5M |
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 | 6.61% | 2.59% | 4.22% | 6.84% | 2.31% |
| Q4 2023 | 6.79% | 2.90% | 4.26% | 7.02% | 2.24% |
| Q1 2024 | 7.08% | 3.15% | 4.31% | 7.31% | 3.73% |
| Q2 2024 | 7.31% | 2.97% | 4.43% | 7.62% | 4.06% |
| Q3 2024 | 7.50% | 3.34% | 4.45% | 7.73% | 3.47% |
| Q4 2024 | 7.22% | 3.09% | 4.18% | 7.44% | 3.10% |
| Q1 2025 | 7.05% | 3.36% | 4.01% | 7.38% | 7.35% |
| Q2 2025 | 7.13% | 3.19% | 4.15% | 7.42% | 0.00% |
| Q3 2025 | 7.30% | 3.21% | 4.33% | 7.73% | 0.00% |
| Q4 2025 | 7.32% | 3.25% | 4.30% | 7.79% | 0.00% |
| Q1 2026 | 7.03% | 3.03% | 4.20% | 7.47% | 0.00% |
| Q2 2026 | 7.04% | 3.05% | 4.24% | 7.53% | 0.00% |
Little Horn State 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 Little Horn State 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 Little Horn State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11821) · FFIEC NIC profile (RSSD 537551)