Valley Bank of Nevada: 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.
The biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.22 percentage points between Q1 2026 and Q2 2026, to 2.71%. Within Nevada, Valley Bank of Nevada is 11th of 14 on net interest margin, 3.41% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Valley Bank of Nevada sits 0.54 points lower, at 3.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.62% |
| Yield on loans | 5.57% |
| Yield on securities | 2.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 2.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $715K |
| Interest expense on deposits | $715K |
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 | 4.58% | 0.56% | 4.05% | 4.85% | 1.54% |
| Q4 2023 | 4.67% | 0.61% | 4.11% | 4.86% | 1.54% |
| Q1 2024 | 4.62% | 0.57% | 4.09% | 4.97% | 1.50% |
| Q2 2024 | 4.70% | 0.66% | 4.10% | 5.07% | 1.52% |
| Q3 2024 | 4.91% | 0.68% | 4.27% | 5.37% | 1.52% |
| Q4 2024 | 4.81% | 0.73% | 4.15% | 5.51% | 1.43% |
| Q1 2025 | 4.69% | 0.72% | 4.01% | 5.44% | 1.71% |
| Q2 2025 | 4.71% | 0.80% | 3.96% | 5.52% | 1.71% |
| Q3 2025 | 4.82% | 1.51% | 3.36% | 5.63% | 1.78% |
| Q4 2025 | 4.74% | 1.14% | 3.71% | 5.63% | 2.21% |
| Q1 2026 | 4.55% | 1.19% | 3.47% | 5.40% | 2.49% |
| Q2 2026 | 4.62% | 1.40% | 3.41% | 5.57% | 2.71% |
Valley Bank of Nevada 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 Nevada, 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 Nevada profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57933) · FFIEC NIC profile (RSSD 3370357)