Lincoln 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.
Cost of borrowings fell 0.65 percentage points from Q1 2026 to Q2 2026, ending at 4.04% against 4.69%. It was the largest change among the key lines on this page. Within North Dakota, Lincoln State Bank is 37th of 60 on net interest margin, 3.72% as of Q2 2026, below the middle of the field. Lincoln State Bank reported 3.72% on net interest margin for Q2 2026, 0.23 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.92% |
| Yield on loans | 6.73% |
| Yield on securities | 2.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.31% |
| Cost of interest-bearing deposits | 1.67% |
| Cost of interest-bearing liabilities | 1.75% |
| Cost of borrowings | 4.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $376K |
| Interest expense on deposits | $346K |
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 | 4.10% | 1.01% | 3.15% | 5.77% | 2.20% |
| Q4 2023 | 4.19% | 1.05% | 3.21% | 5.80% | 2.22% |
| Q1 2024 | 4.24% | 1.49% | 2.85% | 5.97% | 2.26% |
| Q2 2024 | 4.50% | 1.58% | 3.03% | 6.18% | 2.38% |
| Q3 2024 | 4.69% | 1.83% | 2.99% | 6.41% | 2.33% |
| Q4 2024 | 4.78% | 1.54% | 3.33% | 6.53% | 2.45% |
| Q1 2025 | 4.61% | 1.31% | 3.38% | 6.33% | 2.50% |
| Q2 2025 | 4.74% | 1.39% | 3.46% | 6.47% | 2.54% |
| Q3 2025 | 4.88% | 1.55% | 3.44% | 6.65% | 2.65% |
| Q4 2025 | 5.03% | 1.61% | 3.54% | 6.78% | 2.74% |
| Q1 2026 | 4.84% | 1.41% | 3.52% | 6.60% | 2.77% |
| Q2 2026 | 4.92% | 1.31% | 3.72% | 6.73% | 2.80% |
Lincoln 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 Lincoln 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 Lincoln State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8390) · FFIEC NIC profile (RSSD 667551)