Cornerstone 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.
The standout move of Q2 2026 was in Cost of borrowings: 1.98 percentage points lower than in Q1 2026, at 4.70%. Within Minnesota, Cornerstone State Bank is 126th of 221 on net interest margin, 3.86% as of Q2 2026. At 3.86%, Cornerstone State Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | 6.84% |
| Yield on securities | 2.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 1.82% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | 4.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $904K |
| Interest expense on deposits | $873K |
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 | 3.79% | 1.57% | 2.34% | 5.09% | 1.72% |
| Q4 2023 | 4.03% | 1.75% | 2.39% | 5.39% | 1.84% |
| Q1 2024 | 4.07% | 1.98% | 2.21% | 5.39% | 1.80% |
| Q2 2024 | 4.31% | 1.95% | 2.49% | 5.71% | 1.81% |
| Q3 2024 | 4.37% | 2.12% | 2.37% | 5.76% | 1.78% |
| Q4 2024 | 4.54% | 2.01% | 2.66% | 5.92% | 2.00% |
| Q1 2025 | 4.47% | 1.85% | 2.73% | 5.74% | 1.88% |
| Q2 2025 | 4.65% | 1.84% | 2.94% | 6.00% | 1.86% |
| Q3 2025 | 4.65% | 1.81% | 2.97% | 6.01% | 1.97% |
| Q4 2025 | 4.73% | 1.69% | 3.15% | 6.10% | 2.07% |
| Q1 2026 | 4.85% | 1.63% | 3.34% | 6.09% | 2.34% |
| Q2 2026 | 5.36% | 1.62% | 3.86% | 6.84% | 2.49% |
Cornerstone 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 Cornerstone 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 Cornerstone State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21525) · FFIEC NIC profile (RSSD 914853)