Arlington 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.
Open the full net interest margin analysis: the yield and margin contribution of each earning asset, the cost of each kind of funding, what moved the margin, and peers measured the same way.
In Q2 2026, Net interest margin edged up by 0.10 percentage points, from 2.65% to 2.75%, the largest move among the key lines here. Arlington State Bank has the 8th lowest net interest margin of the 221 banks headquartered in Minnesota, at 2.75% as of Q2 2026. The median for banks in the < $100M asset tier is 3.88% on net interest margin. Arlington State Bank sits 1.12 points lower, at 2.75% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.68% |
| Yield on loans | 6.18% |
| Yield on securities | 1.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.99% |
| Cost of interest-bearing deposits | 1.41% |
| Cost of interest-bearing liabilities | 1.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.75% |
| Yield to cost spread | 2.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $311K |
| Total interest expense | $129K |
| Interest expense on deposits | $129K |
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 | 2.93% | 0.39% | 2.56% | 5.54% | 1.45% |
| Q4 2023 | 3.07% | 0.54% | 2.57% | 5.59% | 1.46% |
| Q1 2024 | 3.12% | 0.87% | 2.31% | 5.59% | 1.44% |
| Q2 2024 | 3.25% | 1.02% | 2.30% | 5.65% | 1.45% |
| Q3 2024 | 3.27% | 1.01% | 2.32% | 5.90% | 1.46% |
| Q4 2024 | 3.30% | 1.01% | 2.36% | 6.02% | 1.44% |
| Q1 2025 | 3.25% | 0.96% | 2.35% | 5.96% | 1.53% |
| Q2 2025 | 3.41% | 1.02% | 2.47% | 6.11% | 1.60% |
| Q3 2025 | 3.46% | 1.01% | 2.51% | 6.25% | 1.55% |
| Q4 2025 | 3.51% | 1.00% | 2.58% | 6.24% | 1.58% |
| Q1 2026 | 3.56% | 0.96% | 2.65% | 6.14% | 1.71% |
| Q2 2026 | 3.68% | 0.99% | 2.75% | 6.18% | 1.76% |
Arlington 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 Arlington 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 Arlington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1391) · FFIEC NIC profile (RSSD 270353)