RG Bank, a Savings and Loan Association: 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.
In Q2 2026, Yield on securities edged down by 0.06 percentage points, from 1.92% to 1.86%, the largest move among the key lines here. RG Bank, a Savings and Loan Association ranks 34th of 63 Colorado banks on net interest margin, in the lower half at 4.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; RG Bank, a Savings and Loan Association reported 4.01% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.09% |
| Yield on loans | 5.77% |
| Yield on securities | 1.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $358K |
| Interest expense on deposits | $358K |
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 | 4.37% | 0.78% | 3.66% | 5.03% | 2.06% |
| Q4 2023 | 4.58% | 1.10% | 3.54% | 5.12% | 2.06% |
| Q1 2024 | 4.81% | 1.39% | 3.50% | 5.43% | 2.04% |
| Q2 2024 | 4.85% | 1.38% | 3.55% | 5.45% | 2.03% |
| Q3 2024 | 4.79% | 1.41% | 3.46% | 5.37% | 2.02% |
| Q4 2024 | 4.91% | 1.42% | 3.56% | 5.52% | 2.10% |
| Q1 2025 | 4.97% | 1.36% | 3.68% | 5.60% | 2.08% |
| Q2 2025 | 5.00% | 1.25% | 3.84% | 5.69% | 2.05% |
| Q3 2025 | 5.43% | 1.30% | 4.20% | 6.13% | 1.99% |
| Q4 2025 | 5.39% | 1.20% | 4.26% | 6.00% | 1.88% |
| Q1 2026 | 5.07% | 1.15% | 4.00% | 5.76% | 1.92% |
| Q2 2026 | 5.09% | 1.18% | 4.01% | 5.77% | 1.86% |
RG Bank, a Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock RG Bank, a Savings and Loan Association, 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 RG Bank, a Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28315) · FFIEC NIC profile (RSSD 256076)