Yampa Valley 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.
Compared with Q1 2026, Cost of borrowings rose 0.49 percentage points in Q2 2026 to 3.97%, the biggest move on this page. Within Colorado, Yampa Valley Bank is 16th of 63 on net interest margin, 4.56% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Yampa Valley Bank sits 0.61 points higher, at 4.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.36% |
| Yield on loans | 7.07% |
| Yield on securities | 3.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.56% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.3M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.9M |
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 | 5.36% | 2.28% | 3.23% | 6.10% | 3.84% |
| Q4 2023 | 5.54% | 2.33% | 3.37% | 6.27% | 3.90% |
| Q1 2024 | 5.69% | 2.37% | 3.46% | 6.41% | 3.85% |
| Q2 2024 | 5.96% | 2.40% | 3.72% | 6.73% | 3.87% |
| Q3 2024 | 6.28% | 2.35% | 4.12% | 7.11% | 3.89% |
| Q4 2024 | 6.26% | 2.18% | 4.25% | 7.04% | 3.84% |
| Q1 2025 | 6.16% | 2.10% | 4.21% | 6.92% | 3.85% |
| Q2 2025 | 6.33% | 2.10% | 4.38% | 7.06% | 3.71% |
| Q3 2025 | 6.46% | 2.06% | 4.57% | 7.22% | 3.51% |
| Q4 2025 | 6.35% | 1.96% | 4.53% | 7.15% | 3.52% |
| Q1 2026 | 6.16% | 1.89% | 4.40% | 6.92% | 3.52% |
| Q2 2026 | 6.36% | 1.95% | 4.56% | 7.07% | 3.74% |
Yampa Valley 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 Yampa Valley 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 Yampa Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35407) · FFIEC NIC profile (RSSD 2806635)