Huron 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.
Compared with Q1 2026, Net interest margin rose 0.19 percentage points in Q2 2026 to 3.33%, the biggest move on this page. Within Michigan, Huron State Bank is 64th of 72 on net interest margin, 3.33% as of Q2 2026. The median for banks in the < $100M asset tier is 3.88% on net interest margin. Huron State Bank sits 0.54 points lower, at 3.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | 5.98% |
| Yield on securities | 1.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.33% |
| Yield to cost spread | 2.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $920K |
| Total interest expense | $374K |
| Interest expense on deposits | $374K |
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 | 4.38% | 1.06% | 3.42% | 5.56% | 1.67% |
| Q4 2023 | 4.79% | 1.07% | 3.81% | 5.89% | 1.57% |
| Q1 2024 | 4.60% | 1.16% | 3.55% | 5.75% | 1.49% |
| Q2 2024 | 4.80% | 1.21% | 3.70% | 5.76% | 2.02% |
| Q3 2024 | 4.69% | 1.47% | 3.54% | 5.77% | 1.66% |
| Q4 2024 | 4.78% | 1.34% | 3.57% | 5.80% | 1.44% |
| Q1 2025 | 4.69% | 1.46% | 3.36% | 5.87% | 1.45% |
| Q2 2025 | 4.93% | 1.55% | 3.53% | 5.86% | 1.66% |
| Q3 2025 | 4.85% | 1.65% | 3.38% | 5.92% | 1.71% |
| Q4 2025 | 5.14% | 1.74% | 3.58% | 6.43% | 1.32% |
| Q1 2026 | 4.72% | 1.74% | 3.14% | 5.87% | 1.60% |
| Q2 2026 | 4.96% | 1.80% | 3.33% | 5.98% | 1.92% |
Huron 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 Huron 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 Huron State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23126) · FFIEC NIC profile (RSSD 753641)