Three Rivers Bank of Montana: 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 fell 7.4% from Q1 2026 to Q2 2026, ending at $1.0M against $1.1M. It was the largest change among the key lines on this page. Among 35 Montana banks, Three Rivers Bank of Montana sits 3rd from the top on net interest margin, 5.36% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Three Rivers Bank of Montana sits 1.41 points higher, at 5.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.87% |
| Yield on loans | 7.28% |
| Yield on securities | 2.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.36% |
| Yield to cost spread | 4.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.24% | 1.31% | 3.98% | 5.94% | 2.98% |
| Q4 2023 | 5.63% | 1.86% | 3.85% | 6.41% | 3.01% |
| Q1 2024 | 5.60% | 2.38% | 3.38% | 6.30% | 2.94% |
| Q2 2024 | 5.90% | 2.42% | 3.52% | 6.59% | 2.79% |
| Q3 2024 | 6.15% | 2.47% | 3.76% | 6.75% | 2.65% |
| Q4 2024 | 6.64% | 2.40% | 4.33% | 7.22% | 2.54% |
| Q1 2025 | 6.37% | 2.30% | 4.13% | 6.88% | 2.49% |
| Q2 2025 | 6.59% | 2.21% | 4.46% | 7.10% | 2.45% |
| Q3 2025 | 6.56% | 2.05% | 4.60% | 6.96% | 2.32% |
| Q4 2025 | 6.77% | 1.77% | 5.08% | 7.26% | 2.30% |
| Q1 2026 | 6.72% | 1.63% | 5.14% | 7.20% | 2.31% |
| Q2 2026 | 6.87% | 1.57% | 5.36% | 7.28% | 2.33% |
Three Rivers Bank of Montana yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Three Rivers Bank of Montana, 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 Three Rivers Bank of Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21557) · FFIEC NIC profile (RSSD 610557)