Andes 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.
Yield on loans climbed 0.83 percentage points in Q2 2026, from 7.07% to 7.90%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Andes State Bank is 14th of 56 on net interest margin, 4.71% as of Q2 2026. The median for banks in the < $100M asset tier is 3.88% on net interest margin. Andes State Bank sits 0.83 points higher, at 4.71% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.32% |
| Yield on loans | 7.90% |
| Yield on securities | 2.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.62% |
| Cost of interest-bearing deposits | 0.98% |
| Cost of interest-bearing liabilities | 0.98% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.71% |
| Yield to cost spread | 4.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $201K |
| Total interest expense | $41K |
| Interest expense on deposits | $41K |
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 | 4.00% | 0.72% | 3.36% | 6.78% | 0.84% |
| Q4 2023 | 3.94% | 0.66% | 3.39% | 7.02% | 0.85% |
| Q1 2024 | 4.09% | 0.68% | 3.51% | 7.13% | 0.90% |
| Q2 2024 | 4.10% | 0.68% | 3.55% | 7.30% | 0.85% |
| Q3 2024 | 4.95% | 0.81% | 4.24% | 7.76% | 0.82% |
| Q4 2024 | 5.02% | 0.74% | 4.32% | 7.65% | 0.97% |
| Q1 2025 | 5.12% | 0.72% | 4.43% | 7.47% | 1.68% |
| Q2 2025 | 5.00% | 0.76% | 4.27% | 7.45% | 1.72% |
| Q3 2025 | 5.46% | 0.81% | 4.71% | 7.63% | 1.14% |
| Q4 2025 | 5.21% | 0.70% | 4.55% | 7.34% | 1.66% |
| Q1 2026 | 5.13% | 0.74% | 4.44% | 7.07% | 2.15% |
| Q2 2026 | 5.32% | 0.62% | 4.71% | 7.90% | 2.95% |
Andes 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 Andes 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 Andes State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18483) · FFIEC NIC profile (RSSD 410159)