Global Innovations 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.
The standout move of Q2 2026 was in Yield on securities: 4.85 percentage points higher than in Q1 2026, at 4.85%. Within Minnesota, Global Innovations Bank is 144th of 221 on net interest margin, 3.78% 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. Global Innovations Bank sits 0.17 points lower, at 3.78% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.23% |
| Yield on loans | 7.24% |
| Yield on securities | 4.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 2.79% |
| Cost of interest-bearing liabilities | 2.78% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $587K |
| Interest expense on deposits | $584K |
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 | 4.37% | 0.54% | 3.58% | 5.72% | 1.23% |
| Q4 2023 | 4.73% | 0.62% | 3.77% | 6.15% | 1.21% |
| Q1 2024 | 5.08% | 0.70% | 4.01% | 6.40% | 1.57% |
| Q2 2024 | 5.55% | 1.22% | 3.76% | 6.93% | 0.91% |
| Q3 2024 | 6.10% | 1.32% | 4.01% | 7.30% | 1.67% |
| Q4 2024 | 5.91% | 1.68% | 3.39% | 7.21% | 0.00% |
| Q1 2025 | 5.79% | 2.32% | 2.66% | 6.94% | 2.29% |
| Q2 2025 | 5.29% | 2.33% | 2.69% | 5.91% | 0.43% |
| Q3 2025 | 5.95% | 2.45% | 3.11% | 7.31% | 0.00% |
| Q4 2025 | 6.00% | 2.29% | 3.06% | 7.29% | 1.84% |
| Q1 2026 | 6.34% | 2.16% | 3.52% | 7.17% | 0.00% |
| Q2 2026 | 6.23% | 2.22% | 3.78% | 7.24% | 4.85% |
Global Innovations 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 Global Innovations 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 Global Innovations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5175) · FFIEC NIC profile (RSSD 1015458)