Concorde 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.
Net interest margin climbed 0.39 percentage points in Q2 2026, from 4.72% to 5.11%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, Concorde Bank ranks 13th highest among the 221 banks headquartered in Minnesota, at 5.11% (Q2 2026). Concorde Bank reported 5.11% on net interest margin for Q2 2026, 1.24 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.54% |
| Yield on loans | 7.80% |
| Yield on securities | 2.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.70% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.11% |
| Yield to cost spread | 4.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $430K |
| Interest expense on deposits | $430K |
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 | 6.04% | 1.26% | 4.84% | 6.92% | 2.01% |
| Q4 2023 | 6.45% | 1.50% | 5.03% | 7.09% | 1.91% |
| Q1 2024 | 6.48% | 1.71% | 4.83% | 7.13% | 1.96% |
| Q2 2024 | 7.00% | 1.86% | 5.19% | 7.37% | 2.10% |
| Q3 2024 | 6.98% | 2.23% | 4.88% | 7.37% | 2.02% |
| Q4 2024 | 7.15% | 2.24% | 5.08% | 7.54% | 1.96% |
| Q1 2025 | 6.91% | 2.23% | 4.84% | 7.39% | 2.17% |
| Q2 2025 | 7.27% | 2.31% | 5.05% | 7.61% | 2.03% |
| Q3 2025 | 7.42% | 2.42% | 5.03% | 7.72% | 1.99% |
| Q4 2025 | 7.17% | 2.47% | 4.66% | 7.58% | 1.93% |
| Q1 2026 | 6.99% | 2.13% | 4.72% | 7.40% | 1.90% |
| Q2 2026 | 7.54% | 2.15% | 5.11% | 7.80% | 2.11% |
Concorde 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 Concorde 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 Concorde Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9727) · FFIEC NIC profile (RSSD 273653)