DNB National 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 3.34%. Within South Dakota, DNB National Bank is 47th of 56 on net interest margin, 3.20% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. DNB National Bank sits 0.74 points lower, at 3.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.27% |
| Yield on loans | 6.89% |
| Yield on securities | 3.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.13% |
| Cost of interest-bearing deposits | 1.56% |
| Cost of interest-bearing liabilities | 1.56% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.20% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $463K |
| Total interest expense | $310K |
| Interest expense on deposits | $310K |
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 | 3.49% | 1.48% | 2.01% | 5.59% | 2.71% |
| Q4 2023 | 3.70% | 1.41% | 2.29% | 5.92% | 2.74% |
| Q1 2024 | 3.72% | 1.43% | 2.28% | 6.05% | 2.73% |
| Q2 2024 | 3.78% | 1.47% | 2.33% | 6.18% | 2.70% |
| Q3 2024 | 3.93% | 1.68% | 2.28% | 6.28% | 2.98% |
| Q4 2024 | 3.87% | 1.38% | 2.54% | 6.48% | 2.78% |
| Q1 2025 | 3.96% | 1.27% | 2.69% | 6.44% | 3.03% |
| Q2 2025 | 4.23% | 1.22% | 3.01% | 6.57% | 3.21% |
| Q3 2025 | 4.21% | 1.28% | 2.95% | 6.64% | 3.22% |
| Q4 2025 | 4.34% | 1.21% | 3.16% | 7.03% | 3.23% |
| Q1 2026 | 4.27% | 1.11% | 3.19% | 6.85% | 3.26% |
| Q2 2026 | 4.27% | 1.13% | 3.20% | 6.89% | 3.34% |
DNB National 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 DNB National 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 DNB National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3977) · FFIEC NIC profile (RSSD 401559)