Marshall County 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.
In Q2 2026, Net interest margin edged up by 0.10 percentage points, from 2.96% to 3.06%, the largest move among the key lines here. Marshall County State Bank has the 19th lowest net interest margin of the 221 banks headquartered in Minnesota, at 3.06% as of Q2 2026. Marshall County State Bank reported 3.06% on net interest margin for Q2 2026, 0.81 points below the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.74% |
| Yield on loans | 6.48% |
| Yield on securities | 4.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.04% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.06% |
| Yield to cost spread | 2.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $233K |
| Total interest expense | $185K |
| Interest expense on deposits | $185K |
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 | 4.54% | 1.85% | 2.96% | 5.70% | 1.98% |
| Q4 2023 | 5.01% | 2.12% | 3.23% | 5.87% | 1.98% |
| Q1 2024 | 4.64% | 2.27% | 2.74% | 5.87% | 1.93% |
| Q2 2024 | 5.61% | 2.32% | 3.62% | 6.03% | 4.59% |
| Q3 2024 | 5.46% | 2.40% | 3.46% | 6.29% | 5.04% |
| Q4 2024 | 5.45% | 2.39% | 3.46% | 6.23% | 4.93% |
| Q1 2025 | 5.10% | 2.35% | 3.14% | 6.09% | 4.64% |
| Q2 2025 | 4.96% | 2.43% | 2.91% | 6.36% | 4.22% |
| Q3 2025 | 5.02% | 2.43% | 2.97% | 6.45% | 4.21% |
| Q4 2025 | 4.87% | 2.35% | 2.87% | 6.46% | 4.15% |
| Q1 2026 | 4.73% | 2.03% | 2.96% | 6.32% | 4.06% |
| Q2 2026 | 4.74% | 2.04% | 3.06% | 6.48% | 4.00% |
Marshall County 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 Marshall County 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 Marshall County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9752) · FFIEC NIC profile (RSSD 720157)