Madison Valley 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 standout move of Q2 2026 was in Cost of borrowings: 18.92 percentage points lower than in Q1 2026, at 2.23%. Within Montana, Madison Valley Bank is 27th of 35 on net interest margin, 3.71% as of Q2 2026, below the middle of the field. Madison Valley Bank reported 3.71% on net interest margin for Q2 2026, 0.24 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.78% |
| Yield on loans | 6.85% |
| Yield on securities | 2.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.10% |
| Cost of interest-bearing deposits | 1.61% |
| Cost of interest-bearing liabilities | 1.73% |
| Cost of borrowings | 2.23% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $704K |
| Interest expense on deposits | $659K |
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 | 4.16% | 0.89% | 3.37% | 6.42% | 1.65% |
| Q4 2023 | 4.05% | 0.97% | 3.21% | 5.94% | 2.02% |
| Q1 2024 | 4.09% | 1.21% | 3.02% | 6.05% | 2.34% |
| Q2 2024 | 4.20% | 1.59% | 2.83% | 6.40% | 2.26% |
| Q3 2024 | 4.22% | 1.48% | 2.95% | 6.37% | 2.19% |
| Q4 2024 | 4.73% | 1.31% | 3.52% | 6.41% | 2.81% |
| Q1 2025 | 4.65% | 1.25% | 3.50% | 6.39% | 2.92% |
| Q2 2025 | 4.69% | 1.49% | 3.29% | 6.54% | 2.86% |
| Q3 2025 | 4.77% | 1.38% | 3.50% | 6.63% | 2.96% |
| Q4 2025 | 4.87% | 1.22% | 3.75% | 6.69% | 3.13% |
| Q1 2026 | 4.76% | 1.19% | 3.64% | 6.72% | 2.90% |
| Q2 2026 | 4.78% | 1.10% | 3.71% | 6.85% | 2.74% |
Madison Valley 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 Madison Valley 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 Madison Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19544) · FFIEC NIC profile (RSSD 596455)