New Market 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.
Net interest margin rose 0.13 percentage points from Q1 2026 to Q2 2026, ending at 4.41% against 4.28%. It was the largest change among the key lines on this page. Within Minnesota, New Market Bank is 60th of 221 on net interest margin, 4.41% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. New Market Bank sits 0.46 points higher, at 4.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.40% |
| Yield on loans | 6.40% |
| Yield on securities | 3.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.03% |
| Cost of interest-bearing deposits | 1.54% |
| Cost of interest-bearing liabilities | 1.54% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $460K |
| Interest expense on deposits | $460K |
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 | 3.98% | 1.00% | 3.08% | 5.45% | 1.62% |
| Q4 2023 | 4.18% | 1.10% | 3.21% | 5.64% | 1.67% |
| Q1 2024 | 4.34% | 1.32% | 3.07% | 5.77% | 1.56% |
| Q2 2024 | 4.67% | 1.27% | 3.47% | 6.06% | 1.64% |
| Q3 2024 | 4.90% | 1.17% | 3.79% | 6.29% | 1.72% |
| Q4 2024 | 4.90% | 0.96% | 3.99% | 6.21% | 1.84% |
| Q1 2025 | 4.83% | 1.06% | 3.82% | 6.10% | 2.06% |
| Q2 2025 | 5.17% | 1.13% | 4.09% | 6.30% | 2.34% |
| Q3 2025 | 5.25% | 1.13% | 4.17% | 6.43% | 2.62% |
| Q4 2025 | 5.23% | 1.11% | 4.17% | 6.32% | 2.96% |
| Q1 2026 | 5.26% | 1.01% | 4.28% | 6.37% | 3.22% |
| Q2 2026 | 5.40% | 1.03% | 4.41% | 6.40% | 3.44% |
New Market 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 New Market 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 New Market Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1931) · FFIEC NIC profile (RSSD 165758)