The Goose River 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 biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged up 0.16 percentage points between Q1 2026 and Q2 2026, to 4.08%. Within North Dakota, The Goose River Bank is 10th of 60 on net interest margin, 4.37% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Goose River Bank sits 0.42 points higher, at 4.37% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.56% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 4.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.37% |
| Yield to cost spread | 3.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $606K |
| Interest expense on deposits | $555K |
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 | 5.39% | 1.25% | 4.19% |
| Q4 2023 | 5.51% | 1.36% | 4.19% |
| Q1 2024 | 5.90% | 1.56% | 4.36% |
| Q2 2024 | 5.81% | 1.76% | 4.14% |
| Q3 2024 | 5.95% | 2.48% | 3.83% |
| Q4 2024 | 5.82% | 2.17% | 3.84% |
| Q1 2025 | 6.03% | 1.88% | 4.16% |
| Q2 2025 | 5.87% | 1.82% | 4.13% |
| Q3 2025 | 5.85% | 1.76% | 4.18% |
| Q4 2025 | 5.96% | 1.65% | 4.42% |
| Q1 2026 | 5.78% | 1.55% | 4.31% |
| Q2 2026 | 5.82% | 1.56% | 4.37% |
The Goose River 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 The Goose River 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 The Goose River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10236) · FFIEC NIC profile (RSSD 821157)