Arcadian 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 standout move of Q2 2026 was in Yield on securities: 0.97 percentage points higher than in Q1 2026, at 5.14%. Arcadian Bank ranks 36th of 221 Minnesota banks on net interest margin, in the upper half at 4.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Arcadian Bank sits 0.66 points higher, at 4.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.39% |
| Yield on loans | 6.78% |
| Yield on securities | 5.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.61% |
| Yield to cost spread | 4.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $951K |
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 | 5.40% | 1.69% | 3.87% | 5.95% | 3.43% |
| Q4 2023 | 5.46% | 1.94% | 3.66% | 6.01% | 3.53% |
| Q1 2024 | 5.60% | 2.09% | 3.64% | 6.16% | 3.63% |
| Q2 2024 | 5.75% | 2.24% | 3.67% | 6.31% | 3.66% |
| Q3 2024 | 5.98% | 2.31% | 3.84% | 6.54% | 3.67% |
| Q4 2024 | 5.99% | 2.19% | 3.97% | 6.59% | 3.69% |
| Q1 2025 | 5.92% | 1.92% | 4.15% | 6.47% | 3.70% |
| Q2 2025 | 6.16% | 1.98% | 4.32% | 6.72% | 3.94% |
| Q3 2025 | 6.25% | 2.03% | 4.39% | 6.79% | 4.24% |
| Q4 2025 | 6.21% | 1.96% | 4.39% | 6.78% | 4.19% |
| Q1 2026 | 6.20% | 1.86% | 4.47% | 6.67% | 4.17% |
| Q2 2026 | 6.39% | 1.94% | 4.61% | 6.78% | 5.14% |
Arcadian 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 Arcadian 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 Arcadian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10561) · FFIEC NIC profile (RSSD 1007752)