Gate City 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, Yield on securities rose 0.37 percentage points in Q2 2026 to 4.00%, the biggest move on this page. Gate City Bank ranks 39th of 60 North Dakota banks on net interest margin, in the lower half at 3.70% (Q2 2026). At 3.70%, Gate City Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.87% |
| Yield on loans | 5.13% |
| Yield on securities | 4.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.13% |
| Cost of interest-bearing deposits | 1.40% |
| Cost of interest-bearing liabilities | 1.42% |
| Cost of borrowings | 4.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $38.2M |
| Total interest expense | $11.2M |
| Interest expense on deposits | $10.9M |
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 | 3.83% | 1.03% | 2.78% | 4.14% | 1.72% |
| Q4 2023 | 3.99% | 1.21% | 2.75% | 4.28% | 1.74% |
| Q1 2024 | 4.07% | 1.30% | 2.75% | 4.36% | 1.75% |
| Q2 2024 | 4.27% | 1.40% | 2.86% | 4.52% | 1.72% |
| Q3 2024 | 4.41% | 1.48% | 2.91% | 4.68% | 1.80% |
| Q4 2024 | 4.51% | 1.43% | 3.05% | 4.77% | 2.18% |
| Q1 2025 | 4.47% | 1.36% | 3.08% | 4.78% | 2.66% |
| Q2 2025 | 4.72% | 1.28% | 3.41% | 4.97% | 3.01% |
| Q3 2025 | 4.79% | 1.28% | 3.48% | 5.04% | 3.19% |
| Q4 2025 | 4.83% | 1.23% | 3.56% | 5.13% | 3.45% |
| Q1 2026 | 4.75% | 1.14% | 3.58% | 5.05% | 3.63% |
| Q2 2026 | 4.87% | 1.13% | 3.70% | 5.13% | 4.00% |
Gate City 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 Gate City 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 Gate City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27774) · FFIEC NIC profile (RSSD 657271)