American State Bank of Grygla: 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 0.12 percentage points, from 3.66% to 3.78%, the largest move among the key lines here. American State Bank of Grygla ranks 144th of 221 Minnesota banks on net interest margin, in the lower half at 3.78% (Q2 2026). At 3.78%, American State Bank of Grygla's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.23% |
| Yield on loans | 6.82% |
| Yield on securities | 3.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 2.04% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 3.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $700K |
| Total interest expense | $285K |
| Interest expense on deposits | $285K |
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 | 4.37% | 1.24% | 3.21% | 5.75% | 2.50% |
| Q4 2023 | 4.64% | 1.36% | 3.34% | 5.98% | 2.49% |
| Q1 2024 | 4.63% | 1.42% | 3.29% | 6.01% | 2.52% |
| Q2 2024 | 4.83% | 1.54% | 3.40% | 6.15% | 2.55% |
| Q3 2024 | 5.37% | 1.77% | 3.72% | 7.10% | 2.62% |
| Q4 2024 | 5.03% | 1.75% | 3.39% | 6.52% | 2.59% |
| Q1 2025 | 4.78% | 1.62% | 3.25% | 6.32% | 2.76% |
| Q2 2025 | 5.15% | 1.57% | 3.68% | 6.69% | 2.86% |
| Q3 2025 | 5.26% | 1.56% | 3.80% | 6.83% | 2.90% |
| Q4 2025 | 5.38% | 1.51% | 3.93% | 6.86% | 2.90% |
| Q1 2026 | 5.09% | 1.49% | 3.66% | 6.67% | 3.06% |
| Q2 2026 | 5.23% | 1.55% | 3.78% | 6.82% | 3.13% |
American State Bank of Grygla yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock American State Bank of Grygla, 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 American State Bank of Grygla profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22263) · FFIEC NIC profile (RSSD 21359)