Northstar 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 Net interest margin, which rose 0.13 percentage points to 4.03%. Within Michigan, Northstar Bank is 39th of 72 on net interest margin, 4.03% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Northstar Bank sits 0.32 points higher, at 4.03% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.21% |
| Yield on securities | 2.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 3.79% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.03% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.1M |
| Total interest expense | $5.0M |
| Interest expense on deposits | $4.6M |
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 | 5.47% | 1.81% | 3.80% | 6.01% | 2.15% |
| Q4 2023 | 5.56% | 1.89% | 3.80% | 6.05% | 2.18% |
| Q1 2024 | 5.54% | 1.94% | 3.70% | 6.02% | 2.39% |
| Q2 2024 | 5.68% | 2.01% | 3.81% | 6.14% | 2.45% |
| Q3 2024 | 5.88% | 1.97% | 4.03% | 6.32% | 2.46% |
| Q4 2024 | 5.78% | 1.79% | 4.09% | 6.19% | 2.47% |
| Q1 2025 | 5.65% | 1.76% | 3.98% | 6.03% | 2.46% |
| Q2 2025 | 5.84% | 1.85% | 4.10% | 6.22% | 2.48% |
| Q3 2025 | 6.09% | 1.95% | 4.25% | 6.47% | 2.51% |
| Q4 2025 | 5.90% | 1.98% | 4.02% | 6.25% | 2.66% |
| Q1 2026 | 5.76% | 1.95% | 3.90% | 6.09% | 2.73% |
| Q2 2026 | 5.86% | 1.93% | 4.03% | 6.21% | 2.76% |
Northstar 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 Northstar 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 Northstar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57097) · FFIEC NIC profile (RSSD 2958972)