Deerwood 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.
Total interest expense rose 6.9% from Q1 2026 to Q2 2026, ending at $5.6M against $5.3M. It was the largest change among the key lines on this page. Within Minnesota, Deerwood Bank is 88th of 221 on net interest margin, 4.21% as of Q2 2026, above the middle of the field. Deerwood Bank reported 4.21% on net interest margin for Q2 2026, 0.50 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.60% |
| Yield on securities | 3.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 2.02% |
| Cost of interest-bearing liabilities | 2.03% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.21% |
| Yield to cost spread | 3.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.7M |
| Total interest expense | $5.6M |
| Interest expense on deposits | $5.6M |
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 | 4.83% | 1.08% | 3.77% | 6.05% | 1.37% |
| Q4 2023 | 5.06% | 1.52% | 3.67% | 6.25% | 1.42% |
| Q1 2024 | 5.19% | 1.52% | 3.65% | 6.31% | 1.44% |
| Q2 2024 | 5.49% | 1.40% | 4.08% | 6.41% | 1.38% |
| Q3 2024 | 5.77% | 1.23% | 4.46% | 6.58% | 1.61% |
| Q4 2024 | 5.90% | 1.39% | 4.59% | 6.64% | 2.06% |
| Q1 2025 | 5.66% | 1.23% | 4.36% | 6.32% | 2.24% |
| Q2 2025 | 5.92% | 1.35% | 4.66% | 6.49% | 2.48% |
| Q3 2025 | 5.91% | 1.61% | 4.40% | 6.73% | 2.89% |
| Q4 2025 | 5.88% | 1.62% | 4.36% | 6.68% | 3.36% |
| Q1 2026 | 5.52% | 1.57% | 4.02% | 6.62% | 3.45% |
| Q2 2026 | 5.75% | 1.54% | 4.21% | 6.60% | 3.60% |
Deerwood 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 Deerwood 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 Deerwood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5123) · FFIEC NIC profile (RSSD 314257)