Glenwood State Bank (Incorporated): 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged down 1.2% between Q1 2026 and Q2 2026, to $2.9M. Glenwood State Bank (Incorporated) ranks 117th of 221 Minnesota banks on net interest margin, in the lower half at 3.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Glenwood State Bank (Incorporated) reported 3.95% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 6.29% |
| Yield on securities | 1.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.33% |
| Cost of interest-bearing deposits | 2.74% |
| Cost of interest-bearing liabilities | 2.80% |
| Cost of borrowings | 4.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.7M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.7M |
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 | 5.45% | 2.18% | 3.48% | 5.53% | 1.33% |
| Q4 2023 | 5.55% | 2.53% | 3.26% | 5.62% | 1.17% |
| Q1 2024 | 5.62% | 2.66% | 3.11% | 5.67% | 1.17% |
| Q2 2024 | 5.78% | 2.77% | 3.19% | 5.86% | 1.18% |
| Q3 2024 | 6.00% | 2.81% | 3.39% | 6.05% | 1.27% |
| Q4 2024 | 5.93% | 2.79% | 3.33% | 6.03% | 1.27% |
| Q1 2025 | 5.86% | 2.64% | 3.39% | 5.96% | 1.40% |
| Q2 2025 | 6.10% | 2.64% | 3.67% | 6.22% | 1.36% |
| Q3 2025 | 6.23% | 2.65% | 3.80% | 6.30% | 1.28% |
| Q4 2025 | 6.27% | 2.53% | 3.94% | 6.44% | 1.31% |
| Q1 2026 | 6.04% | 2.34% | 3.89% | 6.19% | 1.41% |
| Q2 2026 | 6.08% | 2.33% | 3.95% | 6.29% | 1.45% |
Glenwood State Bank (Incorporated) yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Glenwood State Bank (Incorporated), 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 Glenwood State Bank (Incorporated) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8853) · FFIEC NIC profile (RSSD 975854)