Trailwest 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 rose 7.0% from Q1 2026 to Q2 2026, ending at $5.1M against $4.7M. It was the largest change among the key lines on this page. Within Montana, Trailwest Bank is 22nd of 35 on net interest margin, 4.04% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Trailwest Bank sits 0.33 points higher, at 4.04% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.97% |
| Yield on loans | 6.26% |
| Yield on securities | 4.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.1M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $3.8M |
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 | 5.45% | 1.74% | 3.81% | 5.66% | 3.53% |
| Q4 2023 | 5.46% | 1.87% | 3.72% | 5.54% | 3.60% |
| Q1 2024 | 5.47% | 2.05% | 3.54% | 5.64% | 3.64% |
| Q2 2024 | 5.73% | 2.10% | 3.76% | 5.82% | 3.63% |
| Q3 2024 | 5.80% | 2.11% | 3.81% | 5.96% | 3.86% |
| Q4 2024 | 5.91% | 2.12% | 3.92% | 6.19% | 4.09% |
| Q1 2025 | 5.73% | 2.08% | 3.75% | 6.10% | 4.11% |
| Q2 2025 | 6.00% | 2.34% | 3.78% | 6.17% | 4.96% |
| Q3 2025 | 6.11% | 2.00% | 4.22% | 6.37% | 4.25% |
| Q4 2025 | 6.17% | 1.95% | 4.34% | 6.43% | 4.11% |
| Q1 2026 | 5.90% | 1.96% | 4.06% | 6.22% | 4.13% |
| Q2 2026 | 5.97% | 2.05% | 4.04% | 6.26% | 4.13% |
Trailwest 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 Trailwest 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 Trailwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23806) · FFIEC NIC profile (RSSD 615954)