Kindred 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.
Yield on securities rose 0.27 percentage points from Q1 2026 to Q2 2026, ending at 3.84% against 3.57%. It was the largest change among the key lines on this page. Within North Dakota, Kindred State Bank is 31st of 60 on net interest margin, 3.88% as of Q2 2026. At 3.88%, Kindred State Bank's net interest margin is close to the 3.88% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.89% |
| Yield on loans | 6.08% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.08% |
| Cost of interest-bearing deposits | 1.40% |
| Cost of interest-bearing liabilities | 1.40% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.88% |
| Yield to cost spread | 3.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $336K |
| Total interest expense | $113K |
| Interest expense on deposits | $113K |
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 | 3.76% | 0.56% | 3.21% | 4.69% | 2.54% |
| Q4 2023 | 4.16% | 0.68% | 3.51% | 5.14% | 3.27% |
| Q1 2024 | 4.47% | 0.84% | 3.65% | 5.23% | 3.56% |
| Q2 2024 | 4.49% | 1.07% | 3.47% | 5.48% | 4.09% |
| Q3 2024 | 4.93% | 1.08% | 3.91% | 5.58% | 4.00% |
| Q4 2024 | 4.80% | 0.99% | 3.83% | 5.76% | 3.36% |
| Q1 2025 | 4.60% | 1.08% | 3.55% | 5.49% | 3.77% |
| Q2 2025 | 4.72% | 1.18% | 3.60% | 5.74% | 3.87% |
| Q3 2025 | 4.86% | 1.34% | 3.60% | 5.84% | 3.76% |
| Q4 2025 | 4.95% | 1.38% | 3.65% | 6.05% | 3.79% |
| Q1 2026 | 4.78% | 1.09% | 3.75% | 5.82% | 3.57% |
| Q2 2026 | 4.89% | 1.08% | 3.88% | 6.08% | 3.84% |
Kindred 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 Kindred 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 Kindred State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8946) · FFIEC NIC profile (RSSD 816751)