Bankvista: 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 0.26 percentage points in Q2 2026 to 3.90%, the biggest move on this page. Bankvista ranks 121st of 221 Minnesota banks on net interest margin, in the lower half at 3.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Bankvista reported 3.90% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.43% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.75% |
| Cost of interest-bearing deposits | 3.43% |
| Cost of interest-bearing liabilities | 3.47% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.90% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.7M |
| Total interest expense | $4.0M |
| Interest expense on deposits | $3.6M |
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 |
|---|---|---|---|
| Q3 2023 | 6.09% | 2.85% | 3.49% |
| Q4 2023 | 6.15% | 3.14% | 3.30% |
| Q1 2024 | 6.06% | 3.42% | 2.93% |
| Q2 2024 | 6.33% | 3.55% | 3.08% |
| Q3 2024 | 6.38% | 3.49% | 3.19% |
| Q4 2024 | 6.31% | 3.26% | 3.33% |
| Q1 2025 | 6.13% | 3.10% | 3.29% |
| Q2 2025 | 6.33% | 3.04% | 3.54% |
| Q3 2025 | 6.36% | 2.96% | 3.65% |
| Q4 2025 | 6.44% | 2.85% | 3.86% |
| Q1 2026 | 6.14% | 2.74% | 3.64% |
| Q2 2026 | 6.43% | 2.75% | 3.90% |
Bankvista yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankvista, 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 Bankvista profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35406) · FFIEC NIC profile (RSSD 2849285)