MT. McKinley 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.05 percentage points between Q1 2026 and Q2 2026, to 3.66%. MT. McKinley Bank has the 2nd lowest net interest margin of the 5 banks headquartered in Alaska, at 3.66% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. MT. McKinley Bank sits 0.29 points lower, at 3.66% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.51% |
| Yield on loans | 6.60% |
| Yield on securities | 2.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.99% |
| Cost of interest-bearing deposits | 1.33% |
| Cost of interest-bearing liabilities | 1.33% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 3.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 4.01% | 1.01% | 3.14% | 6.58% | 2.29% |
| Q4 2023 | 4.14% | 1.35% | 2.97% | 6.73% | 2.32% |
| Q1 2024 | 4.27% | 1.43% | 3.01% | 7.02% | 2.37% |
| Q2 2024 | 4.20% | 1.36% | 3.01% | 6.74% | 2.40% |
| Q3 2024 | 4.38% | 1.24% | 3.30% | 6.99% | 2.45% |
| Q4 2024 | 4.38% | 1.07% | 3.46% | 6.81% | 2.53% |
| Q1 2025 | 4.29% | 1.00% | 3.42% | 6.59% | 2.57% |
| Q2 2025 | 4.62% | 1.03% | 3.72% | 7.28% | 2.58% |
| Q3 2025 | 4.59% | 1.02% | 3.70% | 7.10% | 2.55% |
| Q4 2025 | 4.74% | 0.98% | 3.89% | 7.24% | 2.62% |
| Q1 2026 | 4.46% | 0.98% | 3.61% | 6.62% | 2.63% |
| Q2 2026 | 4.51% | 0.99% | 3.66% | 6.60% | 2.65% |
MT. McKinley 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 MT. McKinley 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 MT. McKinley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19525) · FFIEC NIC profile (RSSD 542667)