Stockmens 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.
Total interest expense climbed 7.7% in Q2 2026, from $2.2M to $2.4M. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Stockmens Bank is 10th of 63 on net interest margin, 4.83% 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. Stockmens Bank sits 0.88 points higher, at 4.83% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.50% |
| Yield on loans | 6.92% |
| Yield on securities | 1.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | 2.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.83% |
| Yield to cost spread | 4.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.9M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.3M |
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 | 6.11% | 1.70% | 4.35% | 6.42% | 1.15% |
| Q4 2023 | 6.13% | 1.96% | 4.15% | 6.49% | 1.18% |
| Q1 2024 | 6.27% | 2.14% | 4.12% | 6.68% | 1.16% |
| Q2 2024 | 6.42% | 2.13% | 4.27% | 6.76% | 1.30% |
| Q3 2024 | 6.68% | 2.19% | 4.45% | 7.05% | 1.18% |
| Q4 2024 | 6.47% | 1.89% | 4.57% | 6.97% | 1.18% |
| Q1 2025 | 6.33% | 1.80% | 4.50% | 6.81% | 1.09% |
| Q2 2025 | 6.51% | 1.85% | 4.64% | 7.01% | 1.12% |
| Q3 2025 | 6.55% | 1.86% | 4.68% | 7.06% | 1.11% |
| Q4 2025 | 6.63% | 1.74% | 4.90% | 7.05% | 1.17% |
| Q1 2026 | 6.43% | 1.64% | 4.83% | 6.80% | 1.19% |
| Q2 2026 | 6.50% | 1.69% | 4.83% | 6.92% | 1.20% |
Stockmens 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 Stockmens 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 Stockmens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8321) · FFIEC NIC profile (RSSD 982553)