Cortrust Bank N.A.: 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: 1.17 percentage points lower than in Q1 2026, at 2.48%. Within South Dakota, Cortrust Bank N.A. is 33rd of 56 on net interest margin, 3.76% as of Q2 2026, below the middle of the field. At 3.76%, Cortrust Bank N.A.'s net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 6.52% |
| Yield on securities | 2.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 2.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.4M |
| Total interest expense | $5.4M |
| Interest expense on deposits | $5.3M |
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 | 5.07% | 1.74% | 3.34% | 6.49% | 1.43% |
| Q4 2023 | 5.21% | 1.85% | 3.38% | 6.65% | 1.43% |
| Q1 2024 | 5.05% | 1.91% | 3.17% | 6.41% | 1.41% |
| Q2 2024 | 5.11% | 1.90% | 3.25% | 6.43% | 1.41% |
| Q3 2024 | 5.15% | 1.98% | 3.21% | 6.53% | 1.40% |
| Q4 2024 | 5.13% | 1.81% | 3.38% | 6.46% | 1.41% |
| Q1 2025 | 5.16% | 1.59% | 3.61% | 6.44% | 1.44% |
| Q2 2025 | 5.25% | 1.60% | 3.68% | 6.54% | 1.68% |
| Q3 2025 | 5.37% | 1.60% | 3.81% | 6.63% | 1.82% |
| Q4 2025 | 5.20% | 1.50% | 3.76% | 6.37% | 1.82% |
| Q1 2026 | 5.12% | 1.49% | 3.66% | 6.36% | 1.92% |
| Q2 2026 | 5.24% | 1.55% | 3.76% | 6.52% | 2.20% |
Cortrust Bank N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cortrust Bank N.A., 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 Cortrust Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6063) · FFIEC NIC profile (RSSD 61355)