Dacotah 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.
In Q2 2026, Total interest expense edged up by 1.9%, from $20.5M to $20.9M, the largest move among the key lines here. Within South Dakota, Dacotah Bank is 24th of 56 on net interest margin, 4.00% as of Q2 2026, above the middle of the field. Dacotah Bank reported 4.00% on net interest margin for Q2 2026, 0.29 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.78% |
| Yield on loans | 6.21% |
| Yield on securities | 2.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | 3.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $63.0M |
| Total interest expense | $20.9M |
| Interest expense on deposits | $20.7M |
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 | 4.92% | 1.89% | 3.20% | 5.60% | 1.77% |
| Q4 2023 | 5.13% | 2.30% | 3.07% | 5.76% | 1.90% |
| Q1 2024 | 5.23% | 2.57% | 3.02% | 5.87% | 2.12% |
| Q2 2024 | 5.48% | 2.82% | 3.18% | 6.14% | 2.16% |
| Q3 2024 | 5.69% | 3.03% | 3.24% | 6.32% | 2.22% |
| Q4 2024 | 5.59% | 2.95% | 3.29% | 6.15% | 2.31% |
| Q1 2025 | 5.60% | 2.45% | 3.46% | 6.19% | 2.36% |
| Q2 2025 | 5.72% | 2.43% | 3.61% | 6.24% | 2.44% |
| Q3 2025 | 5.79% | 2.50% | 3.64% | 6.29% | 2.53% |
| Q4 2025 | 5.78% | 2.29% | 3.80% | 6.28% | 2.68% |
| Q1 2026 | 5.77% | 2.05% | 4.01% | 6.27% | 2.78% |
| Q2 2026 | 5.78% | 2.07% | 4.00% | 6.21% | 2.89% |
Dacotah 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 Dacotah 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 Dacotah Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17437) · FFIEC NIC profile (RSSD 256553)