Castle Rock 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 2.6% to $1.3M. On net interest margin, Castle Rock Bank is 20th from the bottom among 221 Minnesota banks, 3.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Castle Rock Bank sits 0.87 points lower, at 3.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.90% |
| Yield on loans | 6.76% |
| Yield on securities | 3.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.09% |
| Cost of interest-bearing deposits | 2.72% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | 4.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 2.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 3.43% | 1.43% | 2.18% | 5.75% | 1.72% |
| Q4 2023 | 3.61% | 1.76% | 2.14% | 5.97% | 1.85% |
| Q1 2024 | 3.77% | 1.69% | 2.27% | 6.29% | 1.82% |
| Q2 2024 | 3.88% | 1.93% | 2.24% | 6.19% | 1.94% |
| Q3 2024 | 4.28% | 2.00% | 2.54% | 6.87% | 2.01% |
| Q4 2024 | 4.32% | 2.02% | 2.52% | 6.56% | 2.26% |
| Q1 2025 | 4.43% | 2.03% | 2.60% | 6.51% | 2.46% |
| Q2 2025 | 4.54% | 2.07% | 2.76% | 6.63% | 2.66% |
| Q3 2025 | 4.65% | 2.08% | 2.86% | 6.70% | 2.82% |
| Q4 2025 | 4.69% | 2.09% | 2.90% | 6.77% | 2.90% |
| Q1 2026 | 4.72% | 2.05% | 2.95% | 6.60% | 3.15% |
| Q2 2026 | 4.90% | 2.09% | 3.07% | 6.76% | 3.36% |
Castle Rock 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 Castle Rock 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 Castle Rock Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1913) · FFIEC NIC profile (RSSD 152253)