Great Plains 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.
Net interest margin dropped 0.52 percentage points in Q2 2026, from 4.34% to 3.82%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Great Plains Bank is 28th of 56 on net interest margin, 3.82% as of Q2 2026, above the middle of the field. Great Plains Bank reported 3.82% on net interest margin for Q2 2026, 0.13 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | 5.99% |
| Yield on securities | 4.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.41% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $615K |
| Interest expense on deposits | $594K |
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 | 5.20% | 1.79% | 3.73% | 6.40% | 1.91% |
| Q4 2023 | 5.96% | 2.13% | 4.18% | 7.08% | 2.67% |
| Q1 2024 | 6.02% | 2.23% | 4.25% | 7.16% | 2.69% |
| Q2 2024 | 6.24% | 2.36% | 4.43% | 7.34% | 2.59% |
| Q3 2024 | 6.25% | 2.41% | 4.30% | 7.47% | 2.45% |
| Q4 2024 | 6.42% | 2.39% | 4.44% | 7.76% | 3.11% |
| Q1 2025 | 8.62% | 2.66% | 6.76% | 10.48% | 3.62% |
| Q2 2025 | 6.09% | 2.60% | 4.28% | 7.01% | 3.57% |
| Q3 2025 | 6.77% | 2.64% | 4.95% | 7.91% | 3.64% |
| Q4 2025 | 6.14% | 2.57% | 4.35% | 7.01% | 3.82% |
| Q1 2026 | 6.01% | 2.48% | 4.34% | 6.69% | 4.01% |
| Q2 2026 | 5.47% | 2.41% | 3.82% | 5.99% | 4.02% |
Great Plains 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 Great Plains 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 Great Plains Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 505) · FFIEC NIC profile (RSSD 589158)