North Star 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 6.6% to $1.5M. North Star Bank ranks 131st of 221 Minnesota banks on net interest margin, in the lower half at 3.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; North Star Bank reported 3.84% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | 6.49% |
| Yield on securities | 3.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 4.64% | 1.40% | 3.38% | 5.45% | 2.83% |
| Q4 2023 | 5.10% | 1.68% | 3.59% | 5.99% | 2.91% |
| Q1 2024 | 5.01% | 1.96% | 3.24% | 5.85% | 2.89% |
| Q2 2024 | 5.20% | 2.17% | 3.24% | 6.07% | 2.93% |
| Q3 2024 | 5.20% | 2.22% | 3.18% | 6.12% | 2.91% |
| Q4 2024 | 5.33% | 2.15% | 3.38% | 6.23% | 2.89% |
| Q1 2025 | 5.11% | 2.02% | 3.28% | 6.07% | 2.74% |
| Q2 2025 | 5.39% | 1.98% | 3.57% | 6.28% | 2.99% |
| Q3 2025 | 5.41% | 2.03% | 3.56% | 6.48% | 2.92% |
| Q4 2025 | 5.36% | 2.04% | 3.51% | 6.44% | 3.13% |
| Q1 2026 | 5.44% | 1.86% | 3.75% | 6.60% | 3.34% |
| Q2 2026 | 5.47% | 1.80% | 3.84% | 6.49% | 3.37% |
North Star 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 North Star 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 North Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16733) · FFIEC NIC profile (RSSD 750051)