The Northern State Bank of Gonvick: 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 funds edged up 0.20 percentage points between Q1 2026 and Q2 2026, to 2.05%. The Northern State Bank of Gonvick has the 22nd lowest net interest margin of the 221 banks headquartered in Minnesota, at 3.08% as of Q2 2026. The Northern State Bank of Gonvick reported 3.08% on net interest margin for Q2 2026, 0.81 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.88% |
| Yield on loans | 6.48% |
| Yield on securities | 3.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.08% |
| Yield to cost spread | 2.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $307K |
| Total interest expense | $229K |
| Interest expense on deposits | $229K |
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 | 5.02% | 1.96% | 3.37% | 5.69% | 1.16% |
| Q4 2023 | 5.00% | 2.14% | 3.13% | 5.77% | 1.11% |
| Q1 2024 | 4.71% | 2.12% | 2.92% | 5.89% | 1.16% |
| Q2 2024 | 5.69% | 2.28% | 3.76% | 5.93% | 4.53% |
| Q3 2024 | 5.51% | 2.37% | 3.53% | 6.39% | 5.06% |
| Q4 2024 | 5.38% | 2.22% | 3.36% | 6.16% | 4.90% |
| Q1 2025 | 5.02% | 2.30% | 2.90% | 6.01% | 4.59% |
| Q2 2025 | 4.98% | 2.61% | 2.75% | 6.40% | 4.15% |
| Q3 2025 | 5.03% | 2.56% | 2.89% | 6.54% | 4.13% |
| Q4 2025 | 4.88% | 2.28% | 2.82% | 6.47% | 4.12% |
| Q1 2026 | 4.86% | 1.85% | 3.17% | 6.48% | 4.06% |
| Q2 2026 | 4.88% | 2.05% | 3.08% | 6.48% | 3.98% |
The Northern State Bank of Gonvick yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Northern State Bank of Gonvick, 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 The Northern State Bank of Gonvick profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10187) · FFIEC NIC profile (RSSD 75455)