Currie 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.
Cost of borrowings climbed 1.91 percentage points in Q2 2026, from 0.86% to 2.76%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Currie State Bank is 43rd of 221 on net interest margin, 4.55% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Currie State Bank sits 0.66 points higher, at 4.55% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.69% |
| Yield on loans | 6.92% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.32% |
| Cost of interest-bearing deposits | 2.89% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 2.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.55% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $517K |
| Interest expense on deposits | $507K |
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 | 6.51% | 2.11% | 4.59% | 6.60% | — |
| Q4 2023 | 6.67% | 2.42% | 4.49% | 6.72% | — |
| Q1 2024 | 6.83% | 2.47% | 4.59% | 6.90% | — |
| Q2 2024 | 7.09% | 2.79% | 4.61% | 7.15% | — |
| Q3 2024 | 7.12% | 2.88% | 4.47% | 7.22% | — |
| Q4 2024 | 6.88% | 2.81% | 4.37% | 7.03% | — |
| Q1 2025 | 6.75% | 2.56% | 4.40% | 6.86% | — |
| Q2 2025 | 6.96% | 2.58% | 4.59% | 7.03% | 0.00% |
| Q3 2025 | 7.10% | 2.59% | 4.74% | 7.30% | 0.00% |
| Q4 2025 | 6.94% | 2.52% | 4.65% | 7.13% | 0.00% |
| Q1 2026 | 6.61% | 2.30% | 4.51% | 6.84% | 0.00% |
| Q2 2026 | 6.69% | 2.32% | 4.55% | 6.92% | 0.00% |
Currie 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 Currie 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 Currie State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8833) · FFIEC NIC profile (RSSD 343958)