Heartland 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.
Net interest margin rose 0.14 percentage points from Q1 2026 to Q2 2026, ending at 3.07% against 2.93%. It was the largest change among the key lines on this page. Within North Dakota, Heartland State Bank is 54th of 60 on net interest margin, 3.07% as of Q2 2026, below the middle of the field. Heartland State Bank reported 3.07% on net interest margin for Q2 2026, 0.82 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.69% |
| Yield on loans | 6.57% |
| Yield on securities | 2.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.43% |
| Cost of interest-bearing liabilities | 2.45% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 2.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $482K |
| Total interest expense | $293K |
| Interest expense on deposits | $290K |
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 | 5.71% | 1.24% | 4.51% | 7.21% | 2.17% |
| Q4 2023 | 5.97% | 1.70% | 4.33% | 7.36% | 2.25% |
| Q1 2024 | 5.77% | 1.76% | 3.99% | 7.14% | 2.24% |
| Q2 2024 | 5.99% | 1.91% | 4.07% | 7.42% | 2.45% |
| Q3 2024 | 6.35% | 2.00% | 4.35% | 7.89% | 2.34% |
| Q4 2024 | 6.20% | 2.07% | 4.10% | 7.34% | 2.54% |
| Q1 2025 | 5.37% | 1.98% | 3.43% | 6.86% | 2.58% |
| Q2 2025 | 5.40% | 1.88% | 3.57% | 7.13% | 2.70% |
| Q3 2025 | 5.31% | 1.84% | 3.50% | 7.12% | 2.53% |
| Q4 2025 | 5.30% | 1.86% | 3.48% | 7.03% | 2.79% |
| Q1 2026 | 4.61% | 1.70% | 2.93% | 6.66% | 2.47% |
| Q2 2026 | 4.69% | 1.70% | 3.07% | 6.57% | 2.73% |
Heartland 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 Heartland 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 Heartland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3919) · FFIEC NIC profile (RSSD 837653)