Lowry 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.
Compared with Q1 2026, Net interest margin rose 0.13 percentage points in Q2 2026 to 4.35%, the biggest move on this page. Within Minnesota, Lowry State Bank is 68th of 221 on net interest margin, 4.35% as of Q2 2026. The median for banks in the < $100M asset tier is 3.88% on net interest margin. Lowry State Bank sits 0.47 points higher, at 4.35% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.69% |
| Yield on loans | 6.93% |
| Yield on securities | 0.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.79% |
| Cost of interest-bearing deposits | 2.84% |
| Cost of interest-bearing liabilities | 3.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.35% |
| Yield to cost spread | 3.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $494K |
| Interest expense on deposits | $421K |
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 | 5.98% | 2.39% | 4.04% | 6.10% | 5.06% |
| Q4 2023 | 6.05% | 2.68% | 3.84% | 6.22% | 3.06% |
| Q1 2024 | 6.16% | 2.87% | 3.77% | 6.36% | 2.74% |
| Q2 2024 | 6.55% | 3.05% | 4.03% | 6.71% | 4.62% |
| Q3 2024 | 6.73% | 3.42% | 3.98% | 6.84% | 7.97% |
| Q4 2024 | 6.72% | 3.10% | 4.15% | 6.90% | 8.11% |
| Q1 2025 | 6.47% | 2.94% | 4.01% | 6.71% | 8.91% |
| Q2 2025 | 6.54% | 2.86% | 4.12% | 6.76% | -6.95% |
| Q3 2025 | 6.91% | 2.95% | 4.44% | 7.07% | 1.54% |
| Q4 2025 | 6.95% | 2.90% | 4.55% | 7.17% | 1.56% |
| Q1 2026 | 6.58% | 2.81% | 4.22% | 6.77% | 0.78% |
| Q2 2026 | 6.69% | 2.79% | 4.35% | 6.93% | 0.78% |
Lowry 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 Lowry 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 Lowry State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10202) · FFIEC NIC profile (RSSD 457)