The Bank of Tioga: 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.
Compared with Q1 2026, Cost of borrowings fell 0.70 percentage points in Q2 2026 to 3.45%, the biggest move on this page. The Bank of Tioga has the 1st lowest net interest margin of the 60 banks headquartered in North Dakota, at 2.52% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Bank of Tioga sits 1.43 points lower, at 2.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.88% |
| Yield on loans | 6.14% |
| Yield on securities | 4.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.32% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.55% |
| Cost of borrowings | 3.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.52% |
| Yield to cost spread | 2.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
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 | 3.68% | 1.76% | 1.71% | 5.11% | 3.17% |
| Q4 2023 | 4.16% | 2.36% | 1.67% | 5.65% | 3.52% |
| Q1 2024 | 4.80% | 2.32% | 2.32% | 5.69% | 4.52% |
| Q2 2024 | 4.86% | 2.38% | 2.34% | 5.83% | 4.52% |
| Q3 2024 | 4.86% | 2.51% | 2.28% | 6.07% | 4.48% |
| Q4 2024 | 4.87% | 2.42% | 2.33% | 6.04% | 4.53% |
| Q1 2025 | 4.78% | 2.35% | 2.34% | 5.89% | 4.51% |
| Q2 2025 | 4.62% | 2.32% | 2.16% | 5.88% | 4.24% |
| Q3 2025 | 5.14% | 2.33% | 2.69% | 6.11% | 4.87% |
| Q4 2025 | 4.81% | 2.29% | 2.43% | 6.04% | 4.34% |
| Q1 2026 | 4.55% | 2.28% | 2.34% | 5.90% | 4.02% |
| Q2 2026 | 4.88% | 2.32% | 2.52% | 6.14% | 4.36% |
The Bank of Tioga yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Tioga, 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 The Bank of Tioga profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17280) · FFIEC NIC profile (RSSD 768953)