Alden State 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: Yield on securities edged down 0.19 percentage points between Q1 2026 and Q2 2026, to 4.39%. Alden State Bank ranks 26th of 72 Michigan banks on net interest margin, in the upper half at 4.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Alden State Bank sits 0.39 points higher, at 4.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 6.47% |
| Yield on securities | 4.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.47% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 5.23% | 1.30% | 3.91% | 5.92% | 3.23% |
| Q4 2023 | 5.84% | 1.34% | 4.36% | 6.10% | 4.69% |
| Q1 2024 | 5.56% | 1.47% | 3.98% | 6.16% | 4.33% |
| Q2 2024 | 5.77% | 1.54% | 4.12% | 6.32% | 4.19% |
| Q3 2024 | 5.97% | 1.61% | 4.20% | 6.76% | 4.76% |
| Q4 2024 | 5.97% | 1.77% | 4.04% | 6.54% | 4.77% |
| Q1 2025 | 5.61% | 1.76% | 3.69% | 6.30% | 4.88% |
| Q2 2025 | 5.82% | 1.79% | 4.01% | 6.44% | 4.79% |
| Q3 2025 | 5.72% | 1.83% | 4.05% | 6.58% | 4.91% |
| Q4 2025 | 5.86% | 1.57% | 4.44% | 6.56% | 4.64% |
| Q1 2026 | 5.63% | 1.46% | 4.31% | 6.41% | 4.58% |
| Q2 2026 | 5.63% | 1.47% | 4.33% | 6.47% | 4.39% |
Alden State 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 Alden State 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 Alden State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17622) · FFIEC NIC profile (RSSD 388744)