Eagle Rock 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 climbed 59.0% in Q2 2026, from $1.4M to $2.2M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Eagle Rock Bank is 76th of 221 on net interest margin, 4.31% 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. Eagle Rock Bank sits 0.36 points higher, at 4.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.52% |
| Yield on loans | 6.99% |
| Yield on securities | 4.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.44% |
| Cost of interest-bearing deposits | 3.04% |
| Cost of interest-bearing liabilities | 3.14% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.31% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $2.2M |
| 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 | 5.66% | 2.29% | 3.51% | 6.05% | 2.73% |
| Q4 2023 | 5.90% | 2.39% | 3.57% | 6.29% | 3.00% |
| Q1 2024 | 5.91% | 2.57% | 3.36% | 6.31% | 3.12% |
| Q2 2024 | 6.20% | 2.76% | 3.48% | 6.63% | 3.28% |
| Q3 2024 | 6.09% | 2.89% | 3.20% | 6.41% | 3.16% |
| Q4 2024 | 5.97% | 2.71% | 3.26% | 6.30% | 3.28% |
| Q1 2025 | 6.13% | 2.55% | 3.54% | 6.49% | 3.55% |
| Q2 2025 | 6.33% | 2.71% | 3.76% | 6.67% | 3.84% |
| Q3 2025 | 6.39% | 2.62% | 3.91% | 6.71% | 4.08% |
| Q4 2025 | 6.30% | 2.48% | 3.97% | 6.72% | 4.25% |
| Q1 2026 | 6.11% | 2.30% | 4.01% | 6.71% | 3.88% |
| Q2 2026 | 6.52% | 2.44% | 4.31% | 6.99% | 4.01% |
Eagle Rock 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 Eagle Rock 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 Eagle Rock Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34171) · FFIEC NIC profile (RSSD 2391588)