Summit 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.
Net interest margin rose 0.37 percentage points from Q1 2026 to Q2 2026, ending at 2.40% against 2.03%. It was the largest change among the key lines on this page. On net interest margin, Summit National Bank is 2nd from the bottom among 24 Wyoming banks, 2.40% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Summit National Bank sits 1.49 points lower, at 2.40% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.86% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.48% |
| Cost of interest-bearing deposits | 3.13% |
| Cost of interest-bearing liabilities | 3.13% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.40% |
| Yield to cost spread | 1.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $353K |
| Total interest expense | $398K |
| Interest expense on deposits | $398K |
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 | 4.39% | 0.76% | 3.67% |
| Q4 2023 | 4.42% | 1.38% | 2.98% |
| Q1 2024 | 4.97% | 1.82% | 3.22% |
| Q2 2024 | 4.73% | 1.97% | 2.84% |
| Q3 2024 | 4.86% | 1.85% | 2.99% |
| Q4 2024 | 4.78% | 1.93% | 2.90% |
| Q1 2025 | 4.38% | 2.01% | 2.40% |
| Q2 2025 | 5.01% | 2.24% | 2.76% |
| Q3 2025 | 5.15% | 2.69% | 2.46% |
| Q4 2025 | 4.51% | 2.64% | 1.91% |
| Q1 2026 | 4.40% | 2.39% | 2.03% |
| Q2 2026 | 4.86% | 2.48% | 2.40% |
Summit 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 Summit 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 Summit National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25054) · FFIEC NIC profile (RSSD 78559)