The Yellowstone 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 4.33%. Within Montana, The Yellowstone Bank is 13th of 35 on net interest margin, 4.33% as of Q2 2026, above the middle of the field. The Yellowstone Bank reported 4.33% on net interest margin for Q2 2026, 0.62 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | 7.17% |
| Yield on securities | 4.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | 3.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.5M |
| Total interest expense | $5.3M |
| Interest expense on deposits | $5.0M |
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 | 4.85% | 1.33% | 3.36% | 6.66% | 1.63% |
| Q4 2023 | 5.12% | 1.46% | 3.48% | 6.94% | 2.10% |
| Q1 2024 | 5.39% | 1.95% | 3.23% | 6.98% | 3.40% |
| Q2 2024 | 5.54% | 2.02% | 3.32% | 7.18% | 3.77% |
| Q3 2024 | 5.73% | 1.87% | 3.55% | 7.24% | 3.90% |
| Q4 2024 | 5.96% | 1.58% | 4.11% | 7.32% | 3.98% |
| Q1 2025 | 5.88% | 1.82% | 4.16% | 7.02% | 4.26% |
| Q2 2025 | 6.20% | 1.74% | 4.46% | 7.31% | 4.47% |
| Q3 2025 | 6.19% | 1.86% | 4.46% | 7.42% | 4.47% |
| Q4 2025 | 5.93% | 1.77% | 4.28% | 7.29% | 4.26% |
| Q1 2026 | 5.85% | 1.73% | 4.21% | 7.01% | 4.37% |
| Q2 2026 | 5.99% | 1.78% | 4.33% | 7.17% | 4.35% |
The Yellowstone 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 The Yellowstone 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 The Yellowstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1978) · FFIEC NIC profile (RSSD 680457)