Cornerstone 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.
Total interest expense rose 6.9% from Q1 2026 to Q2 2026, ending at $7.5M against $7.0M. It was the largest change among the key lines on this page. Within North Dakota, Cornerstone Bank is 21st of 60 on net interest margin, 4.02% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Cornerstone Bank sits 0.31 points higher, at 4.02% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.34% |
| Yield on securities | 3.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 2.11% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $21.1M |
| Total interest expense | $7.5M |
| Interest expense on deposits | $7.0M |
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 | 4.94% | 1.36% | 3.39% | 5.54% | 2.74% |
| Q4 2023 | 5.28% | 1.84% | 3.22% | 5.76% | 3.13% |
| Q1 2024 | 5.18% | 1.84% | 3.15% | 5.73% | 3.19% |
| Q2 2024 | 5.42% | 1.90% | 3.35% | 5.99% | 3.22% |
| Q3 2024 | 5.67% | 2.00% | 3.50% | 6.27% | 3.24% |
| Q4 2024 | 5.63% | 2.03% | 3.44% | 6.28% | 3.27% |
| Q1 2025 | 5.53% | 1.99% | 3.41% | 6.22% | 3.39% |
| Q2 2025 | 5.69% | 1.91% | 3.67% | 6.38% | 3.44% |
| Q3 2025 | 5.91% | 1.84% | 3.98% | 6.57% | 3.52% |
| Q4 2025 | 5.73% | 1.75% | 3.88% | 6.43% | 3.55% |
| Q1 2026 | 5.63% | 1.57% | 3.98% | 6.27% | 3.55% |
| Q2 2026 | 5.74% | 1.64% | 4.02% | 6.34% | 3.56% |
Cornerstone 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 Cornerstone 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 Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13198) · FFIEC NIC profile (RSSD 879457)