Integrity Bank Plus: 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 0.27 percentage points in Q2 2026 to 4.88%, the biggest move on this page. Integrity Bank Plus ranks 24th of 221 Minnesota banks on net interest margin, in the upper half at 4.88% (Q2 2026). Integrity Bank Plus reported 4.88% on net interest margin for Q2 2026, 1.00 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.98% |
| Yield on loans | 6.88% |
| Yield on securities | 2.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.75% |
| Cost of interest-bearing liabilities | 1.74% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.88% |
| Yield to cost spread | 4.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $251K |
| Interest expense on deposits | $251K |
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 | 6.26% | 0.98% | 5.34% | 7.70% | 1.66% |
| Q4 2023 | 5.52% | 1.33% | 4.34% | 6.59% | 1.67% |
| Q1 2024 | 5.60% | 1.63% | 4.19% | 6.79% | 1.71% |
| Q2 2024 | 9.29% | 1.81% | 7.73% | 11.67% | 1.73% |
| Q3 2024 | 5.89% | 1.80% | 4.34% | 7.17% | 1.74% |
| Q4 2024 | 5.71% | 1.39% | 4.42% | 7.02% | 1.77% |
| Q1 2025 | 5.69% | 1.27% | 4.51% | 7.23% | 2.01% |
| Q2 2025 | 5.55% | 1.29% | 4.41% | 6.54% | 2.65% |
| Q3 2025 | 5.76% | 1.23% | 4.62% | 6.82% | 2.71% |
| Q4 2025 | 5.89% | 1.21% | 4.78% | 6.90% | 2.70% |
| Q1 2026 | 5.69% | 1.16% | 4.61% | 6.78% | 2.80% |
| Q2 2026 | 5.98% | 1.20% | 4.88% | 6.88% | 2.99% |
Integrity Bank Plus yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank Plus, 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 Integrity Bank Plus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15578) · FFIEC NIC profile (RSSD 897451)