Home 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.
In Q2 2026, Cost of interest-bearing liabilities edged up by 0.17 percentage points, from 1.68% to 1.84%, the largest move among the key lines here. Home State Bank ranks 129th of 221 Minnesota banks on net interest margin, in the lower half at 3.85% (Q2 2026). At 3.85%, Home State Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 6.97% |
| Yield on securities | 2.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.94% |
| Cost of interest-bearing liabilities | 1.84% |
| Cost of borrowings | 0.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $602K |
| Interest expense on deposits | $601K |
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 | 4.04% | 0.81% | 3.28% | 6.10% | 1.85% |
| Q4 2023 | 4.15% | 0.84% | 3.36% | 6.31% | 1.87% |
| Q1 2024 | 4.33% | 0.94% | 3.46% | 6.57% | 1.87% |
| Q2 2024 | 4.42% | 1.11% | 3.40% | 6.72% | 1.87% |
| Q3 2024 | 4.61% | 1.23% | 3.46% | 6.96% | 1.88% |
| Q4 2024 | 4.69% | 1.20% | 3.56% | 6.90% | 1.88% |
| Q1 2025 | 4.62% | 1.17% | 3.54% | 6.80% | 1.89% |
| Q2 2025 | 4.86% | 1.22% | 3.76% | 7.16% | 1.92% |
| Q3 2025 | 4.97% | 1.26% | 3.84% | 7.32% | 1.91% |
| Q4 2025 | 5.00% | 1.19% | 3.94% | 7.13% | 1.91% |
| Q1 2026 | 4.86% | 1.09% | 3.86% | 6.94% | 1.94% |
| Q2 2026 | 4.94% | 1.20% | 3.85% | 6.97% | 2.04% |
Home 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 Home 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 Home State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9745) · FFIEC NIC profile (RSSD 983550)