Kirkwood Bank and Trust Company: 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 standout move of Q2 2026 was in Total interest expense: 9.7% lower than in Q1 2026, at $1.4M. Kirkwood Bank and Trust Company ranks 32nd of 60 North Dakota banks on net interest margin, in the lower half at 3.86% (Q2 2026). At 3.86%, Kirkwood Bank and Trust Company'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 | 5.47% |
| Yield on loans | 6.21% |
| Yield on securities | 4.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 4.39% | 1.44% | 3.03% | 4.97% | 2.65% |
| Q4 2023 | 4.59% | 1.67% | 2.92% | 5.09% | 3.02% |
| Q1 2024 | 4.69% | 1.87% | 2.87% | 5.27% | 3.31% |
| Q2 2024 | 5.11% | 2.10% | 3.04% | 5.49% | 4.15% |
| Q3 2024 | 5.09% | 2.10% | 3.02% | 5.64% | 3.88% |
| Q4 2024 | 5.13% | 1.95% | 3.21% | 5.73% | 3.90% |
| Q1 2025 | 5.04% | 1.85% | 3.28% | 5.73% | 3.82% |
| Q2 2025 | 5.45% | 1.88% | 3.59% | 5.92% | 4.56% |
| Q3 2025 | 5.39% | 1.86% | 3.64% | 6.06% | 4.02% |
| Q4 2025 | 5.47% | 1.78% | 3.77% | 6.22% | 4.16% |
| Q1 2026 | 5.18% | 1.75% | 3.51% | 6.00% | 4.18% |
| Q2 2026 | 5.47% | 1.71% | 3.86% | 6.21% | 4.21% |
Kirkwood Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kirkwood Bank and Trust Company, 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 Kirkwood Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21928) · FFIEC NIC profile (RSSD 908450)