Valley Bank of Ronan: 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 0.10 percentage points, from 4.41% to 4.51%, the largest move among the key lines here. Within Montana, Valley Bank of Ronan is 11th of 35 on net interest margin, 4.51% as of Q2 2026, above the middle of the field. Valley Bank of Ronan reported 4.51% on net interest margin for Q2 2026, 0.56 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.51% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $685K |
| Interest expense on deposits | $685K |
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 |
|---|---|---|---|
| Q3 2023 | 5.19% | 0.31% | 4.89% |
| Q4 2023 | 5.74% | 0.45% | 5.32% |
| Q1 2024 | 5.58% | 0.65% | 4.97% |
| Q2 2024 | 5.60% | 0.89% | 4.73% |
| Q3 2024 | 5.75% | 1.06% | 4.76% |
| Q4 2024 | 5.84% | 1.14% | 4.80% |
| Q1 2025 | 5.69% | 1.11% | 4.53% |
| Q2 2025 | 5.84% | 1.31% | 4.60% |
| Q3 2025 | 6.50% | 1.33% | 5.26% |
| Q4 2025 | 5.92% | 1.23% | 4.75% |
| Q1 2026 | 5.71% | 1.37% | 4.41% |
| Q2 2026 | 5.86% | 1.40% | 4.51% |
Valley Bank of Ronan 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 Ronan, 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 Ronan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24966) · FFIEC NIC profile (RSSD 624956)