Frontier 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, Net interest margin rose 0.13 percentage points in Q2 2026 to 3.14%, the biggest move on this page. Within South Dakota, Frontier Bank is 49th of 56 on net interest margin, 3.14% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Frontier Bank sits 0.81 points lower, at 3.14% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 6.27% |
| Yield on securities | 3.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.44% |
| Cost of interest-bearing deposits | 2.70% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.14% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.9M |
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 | 4.60% | 2.26% | 2.52% | 5.34% | 3.41% |
| Q4 2023 | 4.80% | 2.69% | 2.31% | 5.64% | 3.42% |
| Q1 2024 | 4.85% | 2.87% | 2.17% | 5.73% | 3.34% |
| Q2 2024 | 4.95% | 2.99% | 2.16% | 5.79% | 3.38% |
| Q3 2024 | 4.98% | 2.96% | 2.23% | 5.89% | 3.35% |
| Q4 2024 | 5.05% | 2.80% | 2.44% | 5.93% | 3.35% |
| Q1 2025 | 5.01% | 2.67% | 2.53% | 5.92% | 3.23% |
| Q2 2025 | 5.35% | 2.74% | 2.81% | 6.31% | 3.29% |
| Q3 2025 | 5.28% | 2.69% | 2.78% | 6.20% | 3.29% |
| Q4 2025 | 5.31% | 2.59% | 2.90% | 6.29% | 3.26% |
| Q1 2026 | 5.29% | 2.45% | 3.01% | 6.18% | 3.23% |
| Q2 2026 | 5.42% | 2.44% | 3.14% | 6.27% | 3.32% |
Frontier 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 Frontier 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 Frontier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33922) · FFIEC NIC profile (RSSD 2218443)