Kodabank: 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.
Cost of borrowings dropped 0.85 percentage points in Q2 2026, from 4.37% to 3.52%. It was the largest change from Q1 2026 among the key lines here. Kodabank ranks 32nd of 60 North Dakota banks on net interest margin, in the lower half at 3.86% (Q2 2026). At 3.86%, Kodabank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.03% |
| Yield on loans | 6.66% |
| Yield on securities | 3.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.32% |
| Cost of interest-bearing deposits | 2.76% |
| Cost of interest-bearing liabilities | 2.79% |
| Cost of borrowings | 3.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.1M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.8M |
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 | 5.33% | 1.88% | 3.52% | 5.87% | 2.26% |
| Q4 2023 | 5.12% | 2.03% | 3.23% | 5.98% | 2.35% |
| Q1 2024 | 5.45% | 2.08% | 3.43% | 6.07% | 2.23% |
| Q2 2024 | 5.93% | 2.28% | 3.69% | 6.27% | 2.27% |
| Q3 2024 | 6.02% | 2.49% | 3.68% | 6.60% | 2.25% |
| Q4 2024 | 5.96% | 2.55% | 3.54% | 6.54% | 2.27% |
| Q1 2025 | 5.57% | 2.47% | 3.26% | 6.32% | 2.48% |
| Q2 2025 | 6.05% | 2.49% | 3.71% | 6.70% | 2.55% |
| Q3 2025 | 6.19% | 2.54% | 3.85% | 6.63% | 2.64% |
| Q4 2025 | 6.22% | 2.30% | 3.94% | 6.67% | 2.77% |
| Q1 2026 | 5.86% | 2.20% | 3.72% | 6.49% | 2.89% |
| Q2 2026 | 6.03% | 2.32% | 3.86% | 6.66% | 3.02% |
Kodabank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kodabank, 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 Kodabank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8386) · FFIEC NIC profile (RSSD 803957)