Bryant 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.
Compared with Q1 2026, Net interest margin rose 0.21 percentage points in Q2 2026 to 6.78%, the biggest move on this page. Among 56 South Dakota banks, Bryant State Bank sits 5th from the top on net interest margin, 6.78% as of Q2 2026. Bryant State Bank's net interest margin of 6.78% is well above the 3.88% median for banks in the < $100M asset tier, a gap of 2.91 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.94% |
| Yield on loans | 10.73% |
| Yield on securities | 4.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 1.94% |
| Cost of interest-bearing liabilities | 1.94% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.78% |
| Yield to cost spread | 6.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $817K |
| Total interest expense | $156K |
| Interest expense on deposits | $156K |
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 | 7.83% | 1.05% | 6.93% | 11.42% | 2.40% |
| Q4 2023 | 7.78% | 1.12% | 6.80% | 11.30% | 2.29% |
| Q1 2024 | 7.56% | 1.16% | 6.59% | 11.24% | 2.62% |
| Q2 2024 | 7.68% | 1.25% | 6.58% | 11.11% | 2.67% |
| Q3 2024 | 7.86% | 1.58% | 6.50% | 11.19% | 2.97% |
| Q4 2024 | 8.12% | 1.42% | 6.92% | 11.14% | 2.79% |
| Q1 2025 | 7.69% | 1.22% | 6.65% | 10.85% | 3.18% |
| Q2 2025 | 8.10% | 1.35% | 6.94% | 10.94% | 3.72% |
| Q3 2025 | 8.34% | 1.50% | 7.05% | 11.15% | 4.06% |
| Q4 2025 | 8.11% | 1.45% | 6.87% | 10.62% | 3.91% |
| Q1 2026 | 7.75% | 1.35% | 6.57% | 10.66% | 4.12% |
| Q2 2026 | 7.94% | 1.34% | 6.78% | 10.73% | 4.23% |
Bryant 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 Bryant 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 Bryant State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6064) · FFIEC NIC profile (RSSD 82257)