Dakota Western 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 4.0% to $1.9M. Within North Dakota, Dakota Western Bank is 25th of 60 on net interest margin, 3.96% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Dakota Western Bank reported 3.96% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.79% |
| Yield on loans | 6.85% |
| Yield on securities | 2.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.53% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 4.05% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.8M |
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 | 4.77% | 2.19% | 2.77% | 6.03% | 2.06% |
| Q4 2023 | 5.04% | 2.49% | 2.77% | 6.21% | 2.16% |
| Q1 2024 | 5.10% | 2.36% | 2.96% | 6.40% | 2.30% |
| Q2 2024 | 5.39% | 2.53% | 3.09% | 6.65% | 2.37% |
| Q3 2024 | 5.56% | 2.65% | 3.11% | 6.89% | 2.40% |
| Q4 2024 | 5.79% | 2.69% | 3.42% | 7.30% | 2.56% |
| Q1 2025 | 5.51% | 2.39% | 3.55% | 6.97% | 2.73% |
| Q2 2025 | 5.55% | 2.26% | 3.62% | 6.86% | 2.80% |
| Q3 2025 | 5.79% | 2.30% | 3.71% | 7.10% | 2.85% |
| Q4 2025 | 5.68% | 2.24% | 3.64% | 7.00% | 2.92% |
| Q1 2026 | 5.57% | 2.04% | 3.81% | 6.81% | 2.92% |
| Q2 2026 | 5.79% | 2.02% | 3.96% | 6.85% | 2.92% |
Dakota Western 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 Western 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 Western Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8637) · FFIEC NIC profile (RSSD 827458)