Solera National 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 Total interest expense: 15.9% higher than in Q1 2026, at $11.0M. Solera National Bank ranks 51st of 63 Colorado banks on net interest margin, in the lower half at 3.31% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Solera National Bank sits 0.40 points lower, at 3.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.83% |
| Cost of interest-bearing deposits | 4.39% |
| Cost of interest-bearing liabilities | 4.33% |
| Cost of borrowings | 3.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 1.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.2M |
| Total interest expense | $11.0M |
| Interest expense on deposits | $9.0M |
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 |
|---|---|---|---|
| Q3 2023 | 5.68% | 2.57% | 3.18% |
| Q4 2023 | 5.74% | 2.75% | 3.13% |
| Q1 2024 | 5.83% | 2.77% | 3.21% |
| Q2 2024 | 5.84% | 2.81% | 3.19% |
| Q3 2024 | 6.11% | 2.75% | 3.53% |
| Q4 2024 | 6.08% | 2.53% | 3.71% |
| Q1 2025 | 6.06% | 2.46% | 3.78% |
| Q2 2025 | 5.98% | 2.66% | 3.48% |
| Q3 2025 | 5.77% | 2.57% | 3.48% |
| Q4 2025 | 6.07% | 2.75% | 3.48% |
| Q1 2026 | 5.98% | 2.68% | 3.45% |
| Q2 2026 | 6.04% | 2.83% | 3.31% |
Solera National 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 Solera National 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 Solera National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58534) · FFIEC NIC profile (RSSD 3397233)