Esb 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.
Compared with Q1 2026, Total interest expense rose 3.6% in Q2 2026 to $1.3M, the biggest move on this page. Within Minnesota, Esb Bank is 169th of 221 on net interest margin, 3.56% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Esb Bank sits 0.38 points lower, at 3.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.16% |
| Yield on loans | 6.69% |
| Yield on securities | 4.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.81% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 3.07% |
| Cost of borrowings | 4.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
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 | 6.01% | 2.31% | 3.69% | 6.26% | 4.17% |
| Q4 2023 | 6.14% | 2.75% | 3.38% | 6.36% | 4.55% |
| Q1 2024 | 6.16% | 2.83% | 3.35% | 6.44% | 4.45% |
| Q2 2024 | 6.41% | 3.23% | 3.52% | 6.64% | 4.39% |
| Q3 2024 | 6.50% | 3.00% | 3.46% | 6.76% | 4.79% |
| Q4 2024 | 6.38% | 3.27% | 3.39% | 6.72% | 3.66% |
| Q1 2025 | 6.22% | 2.96% | 3.37% | 6.54% | 3.95% |
| Q2 2025 | 6.54% | 2.89% | 3.61% | 6.68% | 6.90% |
| Q3 2025 | 6.45% | 2.95% | 3.61% | 6.78% | 4.38% |
| Q4 2025 | 6.41% | 2.87% | 3.65% | 6.87% | 3.68% |
| Q1 2026 | 6.11% | 2.72% | 3.48% | 6.59% | 3.91% |
| Q2 2026 | 6.16% | 2.81% | 3.56% | 6.69% | 4.13% |
Esb 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 Esb 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 Esb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10980) · FFIEC NIC profile (RSSD 40855)