Aspire 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, Yield on loans edged down by 0.14 percentage points, from 6.66% to 6.52%, the largest move among the key lines here. Within North Dakota, Aspire Bank is 8th of 60 on net interest margin, 4.39% as of Q2 2026, above the middle of the field. Aspire Bank reported 4.39% on net interest margin for Q2 2026, 0.50 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.42% |
| Yield on loans | 6.57% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.39% |
| Cost of interest-bearing deposits | 2.62% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 3.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $894K |
| Total interest expense | $292K |
| Interest expense on deposits | $265K |
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 | 5.96% | 2.35% | 3.76% | 6.05% | 14.29% |
| Q4 2023 | 6.09% | 2.79% | 3.39% | 6.20% | 0.00% |
| Q1 2024 | 5.94% | 2.91% | 3.15% | 6.04% | 0.00% |
| Q2 2024 | 6.17% | 3.01% | 3.33% | 6.26% | 0.00% |
| Q3 2024 | 6.58% | 2.99% | 3.73% | 6.64% | 0.00% |
| Q4 2024 | 6.38% | 3.01% | 3.60% | 6.44% | 25.00% |
| Q1 2025 | 6.15% | 2.82% | 3.53% | 6.28% | 0.00% |
| Q2 2025 | 6.51% | 2.85% | 4.00% | 6.59% | 0.00% |
| Q3 2025 | 6.48% | 3.09% | 3.91% | 6.62% | 0.00% |
| Q4 2025 | 7.30% | 2.65% | 5.06% | 7.69% | 0.00% |
| Q1 2026 | 6.48% | 2.42% | 4.40% | 6.63% | 0.00% |
| Q2 2026 | 6.42% | 2.39% | 4.39% | 6.57% | 0.00% |
Aspire 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 Aspire 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 Aspire Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3934) · FFIEC NIC profile (RSSD 668053)