Bankstar Financial: 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, Net interest margin rose 0.34 percentage points in Q2 2026 to 4.10%, the biggest move on this page. Bankstar Financial ranks 22nd of 56 South Dakota banks on net interest margin, in the upper half at 4.10% (Q2 2026). Bankstar Financial reported 4.10% on net interest margin for Q2 2026, 0.15 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.46% |
| Yield on loans | 7.06% |
| Yield on securities | 3.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.50% |
| Cost of interest-bearing deposits | 2.86% |
| Cost of interest-bearing liabilities | 3.00% |
| Cost of borrowings | 4.22% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.8M |
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 | 5.50% | 2.43% | 3.16% | 5.98% | 2.83% |
| Q4 2023 | 5.75% | 2.58% | 3.26% | 6.26% | 2.73% |
| Q1 2024 | 5.75% | 2.66% | 3.07% | 6.25% | 2.89% |
| Q2 2024 | 6.13% | 2.77% | 3.32% | 6.64% | 3.07% |
| Q3 2024 | 6.19% | 3.12% | 3.17% | 6.76% | 3.03% |
| Q4 2024 | 6.41% | 2.99% | 3.55% | 7.01% | 3.05% |
| Q1 2025 | 6.02% | 2.77% | 3.37% | 6.60% | 3.12% |
| Q2 2025 | 6.26% | 2.84% | 3.58% | 6.83% | 3.17% |
| Q3 2025 | 6.25% | 2.83% | 3.60% | 6.86% | 3.25% |
| Q4 2025 | 6.45% | 2.64% | 3.98% | 7.07% | 3.26% |
| Q1 2026 | 6.11% | 2.48% | 3.76% | 6.73% | 3.28% |
| Q2 2026 | 6.46% | 2.50% | 4.10% | 7.06% | 3.33% |
Bankstar Financial yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankstar Financial, 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 Bankstar Financial profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 496) · FFIEC NIC profile (RSSD 109453)