Northern Interstate 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 biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged up 0.19 percentage points between Q1 2026 and Q2 2026, to 4.18%. On net interest margin, Northern Interstate Bank, N.A. is 6th from the bottom among 72 Michigan banks, 3.19% (Q2 2026). Northern Interstate Bank, N.A. reported 3.19% on net interest margin for Q2 2026, 0.76 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.34% |
| Yield on loans | 6.60% |
| Yield on securities | 2.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.13% |
| Cost of interest-bearing deposits | 1.11% |
| Cost of interest-bearing liabilities | 1.25% |
| Cost of borrowings | 4.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.19% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $512K |
| Interest expense on deposits | $433K |
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 | 3.77% | 0.81% | 2.92% | 5.76% | 2.34% |
| Q4 2023 | 3.85% | 0.95% | 2.78% | 5.86% | 2.35% |
| Q1 2024 | 3.87% | 1.13% | 2.70% | 5.98% | 2.28% |
| Q2 2024 | 4.00% | 1.26% | 2.70% | 6.07% | 2.31% |
| Q3 2024 | 4.00% | 1.27% | 2.69% | 6.28% | 2.27% |
| Q4 2024 | 4.00% | 1.35% | 2.64% | 6.31% | 2.11% |
| Q1 2025 | 3.95% | 1.22% | 2.71% | 6.13% | 2.20% |
| Q2 2025 | 4.12% | 1.18% | 2.92% | 6.42% | 2.25% |
| Q3 2025 | 4.22% | 1.21% | 2.98% | 6.62% | 2.23% |
| Q4 2025 | 4.19% | 1.18% | 3.01% | 6.51% | 2.22% |
| Q1 2026 | 4.18% | 1.06% | 3.11% | 6.52% | 2.24% |
| Q2 2026 | 4.34% | 1.13% | 3.19% | 6.60% | 2.29% |
Northern Interstate 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 Northern Interstate 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 Northern Interstate Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13784) · FFIEC NIC profile (RSSD 289056)