North 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.5% to $1.3M. Among 63 Colorado banks, North Valley Bank sits 4th from the top on net interest margin, 5.40% as of Q2 2026. North Valley Bank reported 5.40% on net interest margin for Q2 2026, 1.45 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.42% |
| Yield on loans | 7.72% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.75% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | 3.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.40% |
| Yield to cost spread | 4.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
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 | 6.77% | 2.02% | 4.99% | 7.02% | 5.09% |
| Q4 2023 | 6.96% | 2.37% | 4.86% | 7.12% | 5.59% |
| Q1 2024 | 6.86% | 2.57% | 4.57% | 7.00% | 0.00% |
| Q2 2024 | 7.90% | 2.59% | 5.60% | 8.11% | 0.00% |
| Q3 2024 | 8.06% | 2.68% | 5.69% | 8.26% | — |
| Q4 2024 | 7.66% | 2.67% | 5.32% | 7.96% | — |
| Q1 2025 | 7.77% | 2.48% | 5.58% | 8.08% | — |
| Q2 2025 | 7.77% | 2.50% | 5.56% | 8.04% | — |
| Q3 2025 | 7.80% | 2.44% | 5.66% | 8.09% | — |
| Q4 2025 | 7.65% | 2.38% | 5.57% | 7.94% | — |
| Q1 2026 | 7.46% | 2.26% | 5.47% | 7.76% | — |
| Q2 2026 | 7.42% | 2.28% | 5.40% | 7.72% | — |
North 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 North 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 North Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18710) · FFIEC NIC profile (RSSD 350750)