First State Bank of Harvey: 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.51 percentage points to 3.18%. Within North Dakota, First State Bank of Harvey is 54th of 60 on net interest margin, 3.07% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. First State Bank of Harvey sits 0.82 points lower, at 3.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.31% |
| Yield on loans | 6.38% |
| Yield on securities | 3.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 1.81% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | 500.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 2.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $532K |
| Total interest expense | $298K |
| Interest expense on deposits | $288K |
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 | 3.20% | 0.87% | 2.40% | 5.00% | 2.20% |
| Q4 2023 | 3.40% | 0.98% | 2.50% | 5.18% | 2.27% |
| Q1 2024 | 3.60% | 1.19% | 2.49% | 5.30% | 2.40% |
| Q2 2024 | 3.66% | 1.34% | 2.41% | 5.50% | 2.45% |
| Q3 2024 | 4.03% | 1.52% | 2.63% | 6.00% | 2.78% |
| Q4 2024 | 3.79% | 1.51% | 2.42% | 6.01% | 2.42% |
| Q1 2025 | 3.91% | 1.36% | 2.64% | 5.93% | 2.66% |
| Q2 2025 | 3.96% | 1.45% | 2.61% | 6.12% | 2.76% |
| Q3 2025 | 4.20% | 1.48% | 2.82% | 6.38% | 2.93% |
| Q4 2025 | 4.28% | 1.43% | 2.96% | 6.51% | 2.86% |
| Q1 2026 | 4.09% | 1.33% | 2.85% | 6.41% | 2.67% |
| Q2 2026 | 4.31% | 1.34% | 3.07% | 6.38% | 3.18% |
First State Bank of Harvey yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Harvey, 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 First State Bank of Harvey profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8383) · FFIEC NIC profile (RSSD 997557)