Kensington 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.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.58 percentage points to 3.85%. Within Minnesota, Kensington Bank is 69th of 221 on net interest margin, 4.35% as of Q2 2026, above the middle of the field. Kensington Bank reported 4.35% on net interest margin for Q2 2026, 0.40 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.16% |
| Yield on loans | 6.91% |
| Yield on securities | 2.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.92% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.35% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.0M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.7M |
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 | 4.94% | 1.32% | 3.69% | 5.49% | 2.85% |
| Q4 2023 | 5.19% | 1.61% | 3.65% | 5.76% | 2.91% |
| Q1 2024 | 5.43% | 2.03% | 3.50% | 5.98% | 2.90% |
| Q2 2024 | 5.68% | 2.15% | 3.66% | 6.27% | 2.91% |
| Q3 2024 | 5.76% | 2.31% | 3.60% | 6.42% | 2.87% |
| Q4 2024 | 5.83% | 2.32% | 3.65% | 6.51% | 2.84% |
| Q1 2025 | 5.95% | 2.23% | 3.83% | 6.73% | 2.77% |
| Q2 2025 | 6.03% | 2.26% | 3.88% | 6.71% | 2.71% |
| Q3 2025 | 6.08% | 2.29% | 3.90% | 6.80% | 2.65% |
| Q4 2025 | 6.02% | 2.40% | 3.74% | 6.75% | 2.57% |
| Q1 2026 | 6.00% | 1.92% | 4.17% | 6.70% | 2.46% |
| Q2 2026 | 6.16% | 1.92% | 4.35% | 6.91% | 2.48% |
Kensington 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 Kensington 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 Kensington Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1409) · FFIEC NIC profile (RSSD 58757)