Grant County State 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.37 percentage points to 4.27%. Grant County State Bank ranks 13th of 60 North Dakota banks on net interest margin, in the upper half at 4.27% (Q2 2026). Grant County State Bank reported 4.27% on net interest margin for Q2 2026, 0.39 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.53% |
| Yield on loans | 6.90% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.77% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $429K |
| Total interest expense | $144K |
| Interest expense on deposits | $133K |
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 |
|---|---|---|---|---|
| Q3 2023 | 7.72% | 1.46% | 6.42% | 8.60% |
| Q4 2023 | 7.57% | 1.68% | 6.08% | 8.63% |
| Q1 2024 | 7.34% | 1.79% | 5.75% | 8.48% |
| Q2 2024 | 7.62% | 1.87% | 5.97% | 8.61% |
| Q3 2024 | 7.88% | 1.94% | 6.14% | 8.56% |
| Q4 2024 | 7.24% | 1.63% | 5.74% | 8.17% |
| Q1 2025 | 5.96% | 1.47% | 4.63% | 7.60% |
| Q2 2025 | 6.02% | 1.44% | 4.74% | 7.51% |
| Q3 2025 | 6.33% | 1.48% | 5.04% | 7.54% |
| Q4 2025 | 5.90% | 1.39% | 4.66% | 7.27% |
| Q1 2026 | 5.06% | 1.29% | 3.90% | 6.96% |
| Q2 2026 | 5.53% | 1.41% | 4.27% | 6.90% |
Grant County State 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 Grant County State 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 Grant County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9417) · FFIEC NIC profile (RSSD 983158)