Milestone 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 fell 7.2% in Q2 2026 to $2.9M, the biggest move on this page. Within Utah, Milestone Bank is 21st of 44 on net interest margin, 5.43% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Milestone Bank sits 1.49 points higher, at 5.43% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.77% |
| Yield on loans | 9.56% |
| Yield on securities | 4.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.91% |
| Cost of interest-bearing deposits | 4.03% |
| Cost of interest-bearing liabilities | 4.04% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.43% |
| Yield to cost spread | 4.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.9M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.9M |
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 | 9.13% | 3.13% | 6.58% | 9.68% | 3.88% |
| Q4 2023 | 9.50% | 3.62% | 6.50% | 9.95% | 3.61% |
| Q1 2024 | 9.43% | 3.84% | 6.18% | 10.00% | 4.22% |
| Q2 2024 | 9.05% | 3.93% | 5.92% | 9.35% | 4.40% |
| Q3 2024 | 9.58% | 4.04% | 6.10% | 10.09% | 4.26% |
| Q4 2024 | 9.14% | 4.03% | 5.69% | 10.03% | 4.26% |
| Q1 2025 | 10.19% | 4.02% | 6.77% | 10.70% | 4.26% |
| Q2 2025 | 10.25% | 4.02% | 6.82% | 10.67% | 4.27% |
| Q3 2025 | 10.01% | 4.11% | 6.49% | 10.48% | 4.17% |
| Q4 2025 | 9.54% | 4.10% | 6.05% | 10.03% | 4.42% |
| Q1 2026 | 9.02% | 3.96% | 5.65% | 9.83% | 4.33% |
| Q2 2026 | 8.77% | 3.91% | 5.43% | 9.56% | 4.26% |
Milestone 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 Milestone 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 Milestone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58148) · FFIEC NIC profile (RSSD 3407084)