Odin State 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 fell 0.14 percentage points from Q1 2026 to Q2 2026, ending at 3.71% against 3.85%. It was the largest change among the key lines on this page. Odin State Bank ranks 156th of 221 Minnesota banks on net interest margin, in the lower half at 3.71% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Odin State Bank sits 0.17 points lower, at 3.71% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.31% |
| Yield on loans | 7.00% |
| Yield on securities | 4.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.83% |
| Cost of interest-bearing deposits | 3.22% |
| Cost of interest-bearing liabilities | 3.19% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $509K |
| Interest expense on deposits | $509K |
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 | 5.57% | 2.57% | 3.34% | 6.48% | 1.70% |
| Q4 2023 | 6.11% | 3.28% | 3.28% | 7.10% | 1.66% |
| Q1 2024 | 6.10% | 3.49% | 3.04% | 7.02% | 1.71% |
| Q2 2024 | 6.25% | 3.55% | 3.06% | 7.05% | 1.95% |
| Q3 2024 | 6.51% | 3.60% | 3.23% | 7.29% | 2.81% |
| Q4 2024 | 6.49% | 3.55% | 3.28% | 7.27% | 2.86% |
| Q1 2025 | 6.36% | 3.40% | 3.25% | 7.12% | 2.53% |
| Q2 2025 | 6.42% | 3.21% | 3.44% | 7.17% | 3.32% |
| Q3 2025 | 6.64% | 3.16% | 3.69% | 7.26% | 4.43% |
| Q4 2025 | 6.60% | 2.99% | 3.85% | 7.32% | 4.54% |
| Q1 2026 | 6.43% | 2.79% | 3.85% | 7.08% | 4.03% |
| Q2 2026 | 6.31% | 2.83% | 3.71% | 7.00% | 4.05% |
Odin State 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 Odin State 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 Odin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14574) · FFIEC NIC profile (RSSD 876157)