San Luis Valley Federal 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, Net interest margin rose 0.17 percentage points in Q2 2026 to 4.54%, the biggest move on this page. Within Colorado, San Luis Valley Federal Bank is 17th of 63 on net interest margin, 4.54% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. San Luis Valley Federal Bank sits 0.59 points higher, at 4.54% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.02% |
| Yield on loans | 5.77% |
| Yield on securities | 2.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.45% |
| Cost of interest-bearing deposits | 0.73% |
| Cost of interest-bearing liabilities | 0.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.54% |
| Yield to cost spread | 4.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $444K |
| Interest expense on deposits | $444K |
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 | 4.35% | 0.18% | 4.16% | 5.13% | 2.05% |
| Q4 2023 | 4.43% | 0.20% | 4.21% | 5.15% | 2.11% |
| Q1 2024 | 4.43% | 0.22% | 4.20% | 5.16% | 2.07% |
| Q2 2024 | 4.61% | 0.25% | 4.34% | 5.40% | 2.08% |
| Q3 2024 | 4.61% | 0.27% | 4.31% | 5.37% | 2.17% |
| Q4 2024 | 4.74% | 0.27% | 4.44% | 5.50% | 2.27% |
| Q1 2025 | 4.63% | 0.27% | 4.34% | 5.35% | 2.34% |
| Q2 2025 | 4.73% | 0.28% | 4.43% | 5.49% | 2.38% |
| Q3 2025 | 4.89% | 0.35% | 4.51% | 5.61% | 2.60% |
| Q4 2025 | 4.88% | 0.41% | 4.45% | 5.63% | 2.48% |
| Q1 2026 | 4.88% | 0.48% | 4.37% | 5.62% | 2.55% |
| Q2 2026 | 5.02% | 0.45% | 4.54% | 5.77% | 2.56% |
San Luis Valley Federal 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 San Luis Valley Federal 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 San Luis Valley Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28208) · FFIEC NIC profile (RSSD 945071)