Timberline 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 0.15 percentage points from Q1 2026 to Q2 2026, ending at 4.45% against 4.30%. It was the largest change among the key lines on this page. Timberline Bank ranks 20th of 63 Colorado banks on net interest margin, in the upper half at 4.45% (Q2 2026). Timberline Bank reported 4.45% on net interest margin for Q2 2026, 0.51 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 6.49% |
| Yield on securities | 2.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.51% |
| Cost of interest-bearing deposits | 1.58% |
| Cost of interest-bearing liabilities | 1.67% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.45% |
| Yield to cost spread | 4.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.4M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.5M |
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 | 5.39% | 1.77% | 3.66% | 5.82% | 3.55% |
| Q4 2023 | 5.32% | 1.93% | 3.41% | 5.94% | 2.68% |
| Q1 2024 | 5.47% | 2.13% | 3.38% | 5.93% | 3.59% |
| Q2 2024 | 5.60% | 2.14% | 3.51% | 6.09% | 3.51% |
| Q3 2024 | 5.74% | 2.15% | 3.64% | 6.26% | 3.49% |
| Q4 2024 | 5.61% | 1.94% | 3.76% | 6.20% | 3.32% |
| Q1 2025 | 5.54% | 1.65% | 3.94% | 6.12% | 3.18% |
| Q2 2025 | 5.76% | 1.71% | 4.09% | 6.30% | 3.04% |
| Q3 2025 | 5.97% | 1.75% | 4.25% | 6.56% | 2.91% |
| Q4 2025 | 5.91% | 1.60% | 4.35% | 6.49% | 2.81% |
| Q1 2026 | 5.79% | 1.51% | 4.30% | 6.33% | 2.76% |
| Q2 2026 | 5.91% | 1.51% | 4.45% | 6.49% | 2.68% |
Timberline 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 Timberline 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 Timberline Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57857) · FFIEC NIC profile (RSSD 3271986)