Valley Bank of Kalispell: 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.
In Q2 2026, Net interest margin edged up by 0.06 percentage points, from 4.43% to 4.49%, the largest move among the key lines here. Within Montana, Valley Bank of Kalispell is 12th of 35 on net interest margin, 4.49% as of Q2 2026, above the middle of the field. Valley Bank of Kalispell reported 4.49% on net interest margin for Q2 2026, 0.54 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.22% |
| Yield on loans | 7.36% |
| Yield on securities | 3.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.49% |
| Yield to cost spread | 3.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $913K |
| Interest expense on deposits | $913K |
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 | 4.98% | 1.68% | 3.50% | 6.51% | 1.70% |
| Q4 2023 | 5.63% | 1.93% | 3.94% | 7.32% | 1.93% |
| Q1 2024 | 5.35% | 2.08% | 3.49% | 6.99% | 2.05% |
| Q2 2024 | 5.55% | 2.45% | 3.33% | 7.09% | 2.03% |
| Q3 2024 | 5.61% | 2.51% | 3.31% | 7.16% | 2.04% |
| Q4 2024 | 5.62% | 2.36% | 3.41% | 7.13% | 2.13% |
| Q1 2025 | 5.69% | 2.17% | 3.67% | 7.20% | 2.25% |
| Q2 2025 | 5.94% | 2.23% | 3.90% | 7.43% | 2.34% |
| Q3 2025 | 5.95% | 2.20% | 3.96% | 7.50% | 2.43% |
| Q4 2025 | 5.96% | 2.10% | 4.07% | 7.43% | 2.75% |
| Q1 2026 | 6.18% | 1.88% | 4.43% | 7.29% | 3.49% |
| Q2 2026 | 6.22% | 1.82% | 4.49% | 7.36% | 3.60% |
Valley Bank of Kalispell yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Bank of Kalispell, 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 Valley Bank of Kalispell profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1980) · FFIEC NIC profile (RSSD 473257)