McClave 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.
The standout move of Q3 2026 was in Cost of borrowings: 6266.67 percentage points higher than in Q2 2026, at 8800.00%. Within Colorado, McClave State Bank is 9th of 63 on net interest margin, 4.87% as of Q3 2026, above the middle of the field. McClave State Bank reported 4.87% on net interest margin for Q3 2026, 0.98 points above the 3.89% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 7.41% |
| Yield on loans | 7.79% |
| Yield on securities | 3.61% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.96% |
| Cost of interest-bearing deposits | 3.15% |
| Cost of interest-bearing liabilities | 3.10% |
| Cost of borrowings | 8800.00% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.87% |
| Yield to cost spread | 4.31% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $487K |
| Interest expense on deposits | $465K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 7.70% | 3.03% | 5.02% | 8.02% | 3.12% |
| Q1 2024 | 7.65% | 3.20% | 4.78% | 8.04% | 3.17% |
| Q2 2024 | 7.82% | 3.33% | 4.91% | 8.20% | 3.47% |
| Q3 2024 | 8.06% | 3.78% | 4.80% | 8.40% | 3.30% |
| Q4 2024 | 7.96% | 3.45% | 4.88% | 8.33% | 3.45% |
| Q1 2025 | 7.52% | 3.20% | 4.69% | 7.88% | 3.53% |
| Q2 2025 | 7.79% | 3.25% | 4.92% | 8.10% | 4.75% |
| Q3 2025 | 7.59% | 3.43% | 4.55% | 7.88% | 3.32% |
| Q4 2025 | 7.60% | 3.19% | 4.71% | 7.92% | 4.01% |
| Q1 2026 | 7.29% | 2.95% | 4.73% | 7.73% | 4.72% |
| Q2 2026 | 7.63% | 2.86% | 5.13% | 8.09% | 3.79% |
| Q3 2026 | 7.41% | 2.96% | 4.87% | 7.79% | 3.61% |
McClave 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 McClave 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 McClave State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11261) · FFIEC NIC profile (RSSD 399357)