Dakota Community Bank & Trust, 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.19 percentage points to 3.67%. Dakota Community Bank & Trust, N.A. ranks 41st of 60 North Dakota banks on net interest margin, in the lower half at 3.67% (Q2 2026). At 3.67%, Dakota Community Bank & Trust, 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 | 5.29% |
| Yield on loans | 6.36% |
| Yield on securities | 3.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.88% |
| Cost of borrowings | 2.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 3.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.0M |
| 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 | 4.37% | 1.61% | 2.84% | 5.96% | 2.25% |
| Q4 2023 | 4.48% | 1.80% | 2.78% | 5.94% | 2.41% |
| Q1 2024 | 4.53% | 1.85% | 2.78% | 5.99% | 2.59% |
| Q2 2024 | 4.80% | 1.88% | 3.05% | 6.18% | 2.75% |
| Q3 2024 | 4.94% | 1.95% | 3.11% | 6.40% | 2.70% |
| Q4 2024 | 4.86% | 1.87% | 3.12% | 6.25% | 2.74% |
| Q1 2025 | 4.71% | 1.81% | 3.01% | 6.01% | 2.92% |
| Q2 2025 | 5.03% | 1.85% | 3.30% | 6.26% | 3.10% |
| Q3 2025 | 5.23% | 1.92% | 3.45% | 6.57% | 3.30% |
| Q4 2025 | 5.18% | 1.82% | 3.48% | 6.44% | 3.43% |
| Q1 2026 | 5.06% | 1.69% | 3.48% | 6.24% | 3.48% |
| Q2 2026 | 5.29% | 1.73% | 3.67% | 6.36% | 3.60% |
Dakota Community Bank & Trust, 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 Dakota Community Bank & Trust, 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 Dakota Community Bank & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15728) · FFIEC NIC profile (RSSD 815156)