NBH 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: 1.03 percentage points higher than in Q1 2026, at 2.98%. Within Colorado, NBH Bank is 34th of 63 on net interest margin, 4.01% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. NBH Bank sits 0.41 points higher, at 4.01% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.22% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 2.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 3.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $148.2M |
| Total interest expense | $50.1M |
| Interest expense on deposits | $49.0M |
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 | 5.67% | 1.61% | 3.99% | 6.42% | 1.88% |
| Q4 2023 | 5.99% | 2.04% | 4.03% | 6.77% | 1.89% |
| Q1 2024 | 5.86% | 2.17% | 3.78% | 6.57% | 1.99% |
| Q2 2024 | 5.89% | 2.26% | 3.76% | 6.61% | 2.20% |
| Q3 2024 | 6.09% | 2.31% | 3.92% | 6.81% | 2.23% |
| Q4 2024 | 6.01% | 2.09% | 4.02% | 6.67% | 2.22% |
| Q1 2025 | 5.78% | 2.01% | 3.90% | 6.37% | 2.58% |
| Q2 2025 | 5.88% | 2.05% | 3.97% | 6.49% | 2.78% |
| Q3 2025 | 6.25% | 2.07% | 4.22% | 6.99% | 2.85% |
| Q4 2025 | 5.72% | 1.89% | 3.95% | 6.32% | 2.80% |
| Q1 2026 | 5.67% | 1.90% | 3.96% | 6.16% | 2.93% |
| Q2 2026 | 5.75% | 1.88% | 4.01% | 6.22% | 3.01% |
NBH 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 NBH 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 NBH Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59052) · FFIEC NIC profile (RSSD 4210227)