Peoples State Bank, Fairmount, North Dakota: 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.
Compared with Q1 2026, Net interest margin rose 0.15 percentage points in Q2 2026 to 4.43%, the biggest move on this page. Among 60 North Dakota banks, Peoples State Bank, Fairmount, North Dakota sits 6th from the top on net interest margin, 4.43% as of Q2 2026. Peoples State Bank, Fairmount, North Dakota reported 4.43% on net interest margin for Q2 2026, 0.54 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.49% |
| Yield on loans | 6.91% |
| Yield on securities | 3.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.09% |
| Cost of interest-bearing deposits | 1.66% |
| Cost of interest-bearing liabilities | 1.66% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.43% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $302K |
| Total interest expense | $101K |
| Interest expense on deposits | $101K |
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 | 4.38% | 1.12% | 3.46% | 4.68% | 2.89% |
| Q4 2023 | 5.13% | 1.20% | 3.92% | 6.08% | 1.99% |
| Q1 2024 | 4.44% | 1.34% | 3.28% | 4.95% | 2.21% |
| Q2 2024 | 4.95% | 1.52% | 3.59% | 5.09% | 3.74% |
| Q3 2024 | 5.48% | 1.62% | 3.95% | 6.59% | 2.66% |
| Q4 2024 | 5.37% | 1.55% | 3.91% | 6.66% | 2.35% |
| Q1 2025 | 5.12% | 1.45% | 3.75% | 6.34% | 2.75% |
| Q2 2025 | 5.33% | 1.43% | 3.97% | 6.72% | 3.00% |
| Q3 2025 | 5.44% | 1.33% | 4.13% | 6.83% | 3.11% |
| Q4 2025 | 5.58% | 1.34% | 4.32% | 6.92% | 3.27% |
| Q1 2026 | 5.44% | 1.20% | 4.28% | 6.86% | 3.22% |
| Q2 2026 | 5.49% | 1.09% | 4.43% | 6.91% | 3.43% |
Peoples State Bank, Fairmount, North Dakota yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank, Fairmount, North Dakota, 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 Peoples State Bank, Fairmount, North Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17174) · FFIEC NIC profile (RSSD 838155)