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.
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)