Minnstar Bank N.A.: 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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.34 percentage points to 4.60%. Within Minnesota, Minnstar Bank N.A. is 149th of 221 on net interest margin, 3.73% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Minnstar Bank N.A. sits 0.22 points lower, at 3.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | 6.15% |
| Yield on securities | 3.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.27% |
| Cost of interest-bearing deposits | 2.84% |
| Cost of interest-bearing liabilities | 2.87% |
| Cost of borrowings | 4.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 2.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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% | 2.20% | 3.29% | 5.67% | 2.93% |
| Q4 2023 | 5.46% | 2.34% | 3.27% | 5.80% | 1.96% |
| Q1 2024 | 5.56% | 2.55% | 3.19% | 5.81% | 3.03% |
| Q2 2024 | 5.67% | 2.60% | 3.22% | 5.88% | 3.39% |
| Q3 2024 | 5.73% | 2.51% | 3.32% | 5.96% | 3.51% |
| Q4 2024 | 5.59% | 2.50% | 3.20% | 5.90% | 3.44% |
| Q1 2025 | 5.65% | 2.36% | 3.42% | 5.97% | 3.51% |
| Q2 2025 | 5.71% | 2.36% | 3.46% | 6.02% | 3.63% |
| Q3 2025 | 5.81% | 2.27% | 3.61% | 6.18% | 3.72% |
| Q4 2025 | 5.66% | 2.26% | 3.49% | 6.00% | 3.63% |
| Q1 2026 | 5.80% | 2.24% | 3.69% | 6.07% | 3.64% |
| Q2 2026 | 5.85% | 2.27% | 3.73% | 6.15% | 3.73% |
Minnstar Bank N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnstar Bank N.A., 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 Minnstar Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13809) · FFIEC NIC profile (RSSD 89854)