Denali State 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.
Cost of borrowings climbed 4.86 percentage points in Q2 2026, from 3.51% to 8.37%. It was the largest change from Q1 2026 among the key lines here. Among 5 Alaska banks, Denali State Bank sits 2nd from the top on net interest margin, 5.34% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Denali State Bank sits 1.39 points higher, at 5.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.42% |
| Yield on loans | 7.35% |
| Yield on securities | 4.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.21% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | 8.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.34% |
| Yield to cost spread | 4.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.7M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
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 | 6.20% | 0.96% | 5.33% | 7.13% | 3.68% |
| Q4 2023 | 6.31% | 1.08% | 5.35% | 7.26% | 3.73% |
| Q1 2024 | 6.21% | 1.27% | 5.06% | 7.15% | 3.70% |
| Q2 2024 | 6.29% | 1.21% | 5.21% | 7.23% | 3.66% |
| Q3 2024 | 6.47% | 1.20% | 5.40% | 7.47% | 3.82% |
| Q4 2024 | 6.49% | 1.13% | 5.48% | 7.43% | 3.95% |
| Q1 2025 | 6.37% | 1.24% | 5.27% | 7.25% | 3.87% |
| Q2 2025 | 6.30% | 1.18% | 5.26% | 7.21% | 3.92% |
| Q3 2025 | 6.35% | 1.14% | 5.35% | 7.27% | 4.04% |
| Q4 2025 | 6.42% | 1.20% | 5.38% | 7.30% | 4.02% |
| Q1 2026 | 6.33% | 1.30% | 5.16% | 7.14% | 3.96% |
| Q2 2026 | 6.42% | 1.21% | 5.34% | 7.35% | 4.04% |
Denali State 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 Denali State 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 Denali State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26530) · FFIEC NIC profile (RSSD 571265)