Gateway 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 dropped 34.1% in Q2 2026, from $1.5M to $996K. It was the largest change from Q1 2026 among the key lines here. Gateway Bank ranks 68th of 221 Minnesota banks on net interest margin, in the upper half at 4.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Gateway Bank sits 0.41 points higher, at 4.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.69% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.87% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.36% |
| Yield to cost spread | 3.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $996K |
| Interest expense on deposits | $996K |
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 |
|---|---|---|---|
| Q3 2023 | 5.24% | 1.68% | 3.78% |
| Q4 2023 | 5.47% | 2.11% | 3.69% |
| Q1 2024 | 5.41% | 2.43% | 3.36% |
| Q2 2024 | 5.65% | 2.49% | 3.58% |
| Q3 2024 | 5.65% | 2.48% | 3.44% |
| Q4 2024 | 5.72% | 2.41% | 3.57% |
| Q1 2025 | 5.50% | 2.40% | 3.34% |
| Q2 2025 | 5.71% | 2.44% | 3.51% |
| Q3 2025 | 5.68% | 2.37% | 3.57% |
| Q4 2025 | 5.81% | 2.33% | 3.73% |
| Q1 2026 | 5.56% | 2.21% | 3.53% |
| Q2 2026 | 5.69% | 1.42% | 4.36% |
Gateway 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 Gateway 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 Gateway Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57644) · FFIEC NIC profile (RSSD 3223417)