Dakota Heritage 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: 3.98 percentage points lower than in Q1 2026, at 0.00%. Dakota Heritage Bank ranks 20th of 60 North Dakota banks on net interest margin, in the upper half at 4.05% (Q2 2026). At 4.05%, Dakota Heritage Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.12% |
| Yield on loans | 6.58% |
| Yield on securities | 3.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.64% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.5M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 5.58% | 1.74% | 3.91% | 6.37% | 2.58% |
| Q4 2023 | 5.82% | 2.22% | 3.69% | 6.56% | 2.75% |
| Q1 2024 | 6.07% | 2.18% | 3.93% | 6.76% | 2.97% |
| Q2 2024 | 6.10% | 2.30% | 3.90% | 6.71% | 3.19% |
| Q3 2024 | 6.27% | 2.68% | 3.74% | 6.87% | 3.31% |
| Q4 2024 | 6.31% | 2.71% | 3.72% | 6.91% | 3.33% |
| Q1 2025 | 6.24% | 2.39% | 3.92% | 6.84% | 3.18% |
| Q2 2025 | 6.27% | 2.40% | 3.97% | 6.82% | 3.29% |
| Q3 2025 | 6.41% | 2.49% | 4.02% | 6.94% | 3.29% |
| Q4 2025 | 6.28% | 2.39% | 4.00% | 6.75% | 3.26% |
| Q1 2026 | 6.21% | 2.16% | 4.13% | 6.68% | 3.24% |
| Q2 2026 | 6.12% | 2.18% | 4.05% | 6.58% | 3.31% |
Dakota Heritage 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 Dakota Heritage 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 Dakota Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16231) · FFIEC NIC profile (RSSD 860352)