Commercial State Bank of Wagner: 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, Total interest expense fell 4.1% in Q2 2026 to $1.1M, the biggest move on this page. Commercial State Bank of Wagner ranks 16th of 56 South Dakota banks on net interest margin, in the upper half at 4.54% (Q2 2026). Commercial State Bank of Wagner reported 4.54% on net interest margin for Q2 2026, 0.59 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.25% |
| Yield on loans | 7.67% |
| Yield on securities | 4.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.92% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | 4.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.54% |
| Yield to cost spread | 4.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.0M |
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 | 5.12% | 1.62% | 3.61% | 6.80% | 2.83% |
| Q4 2023 | 5.41% | 1.83% | 3.72% | 7.38% | 2.80% |
| Q1 2024 | 5.40% | 2.12% | 3.46% | 7.32% | 2.78% |
| Q2 2024 | 5.55% | 2.22% | 3.49% | 7.54% | 2.95% |
| Q3 2024 | 5.42% | 2.30% | 3.31% | 7.70% | 2.37% |
| Q4 2024 | 6.09% | 2.36% | 3.95% | 8.30% | 3.18% |
| Q1 2025 | 5.81% | 2.17% | 3.83% | 7.65% | 3.35% |
| Q2 2025 | 5.98% | 2.09% | 4.08% | 7.80% | 3.45% |
| Q3 2025 | 6.27% | 2.14% | 4.32% | 8.13% | 3.54% |
| Q4 2025 | 6.22% | 2.10% | 4.34% | 7.78% | 3.69% |
| Q1 2026 | 6.28% | 1.97% | 4.49% | 7.74% | 3.95% |
| Q2 2026 | 6.25% | 1.92% | 4.54% | 7.67% | 4.02% |
Commercial State Bank of Wagner yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial State Bank of Wagner, 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 Commercial State Bank of Wagner profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9932) · FFIEC NIC profile (RSSD 129853)