Park 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.
In Q2 2026, Total interest expense edged up by 1.2%, from $6.9M to $6.9M, the largest move among the key lines here. Within Minnesota, Park State Bank is 186th of 221 on net interest margin, 3.31% 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. Park State Bank sits 0.40 points lower, at 3.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.25% |
| Yield on loans | 5.78% |
| Yield on securities | 4.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.09% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 2.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.1M |
| Total interest expense | $6.9M |
| Interest expense on deposits | $5.7M |
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 | 4.85% | 1.55% | 3.41% | 5.20% | 3.57% |
| Q4 2023 | 5.12% | 1.84% | 3.42% | 5.39% | 3.99% |
| Q1 2024 | 5.16% | 2.17% | 3.14% | 5.38% | 4.56% |
| Q2 2024 | 5.30% | 2.42% | 3.06% | 5.54% | 4.84% |
| Q3 2024 | 5.52% | 2.62% | 3.10% | 5.73% | 5.18% |
| Q4 2024 | 5.43% | 2.63% | 2.99% | 5.77% | 4.83% |
| Q1 2025 | 5.39% | 2.36% | 3.21% | 5.86% | 4.60% |
| Q2 2025 | 5.38% | 2.34% | 3.23% | 5.85% | 4.66% |
| Q3 2025 | 5.46% | 2.28% | 3.36% | 5.94% | 4.66% |
| Q4 2025 | 5.40% | 2.21% | 3.36% | 5.77% | 4.81% |
| Q1 2026 | 5.22% | 2.06% | 3.30% | 5.72% | 4.46% |
| Q2 2026 | 5.25% | 2.09% | 3.31% | 5.78% | 4.42% |
Park 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 Park 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 Park State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8851) · FFIEC NIC profile (RSSD 286457)