Peoples State Bank of Velva: 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 standout move of Q2 2026 was in Cost of borrowings: 1.71 percentage points lower than in Q1 2026, at 3.44%. Peoples State Bank of Velva ranks 23rd of 60 North Dakota banks on net interest margin, in the upper half at 3.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Peoples State Bank of Velva reported 3.99% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.03% |
| Yield on loans | 6.85% |
| Yield on securities | 4.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.69% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | 3.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 5.41% | 1.89% | 3.63% | 6.12% | 2.98% |
| Q4 2023 | 5.63% | 1.92% | 3.82% | 6.37% | 3.22% |
| Q1 2024 | 5.56% | 2.18% | 3.48% | 6.19% | 3.51% |
| Q2 2024 | 5.73% | 2.41% | 3.44% | 6.39% | 3.59% |
| Q3 2024 | 5.96% | 2.45% | 3.64% | 6.66% | 3.65% |
| Q4 2024 | 5.96% | 2.36% | 3.74% | 6.72% | 3.71% |
| Q1 2025 | 5.75% | 2.13% | 3.71% | 6.51% | 3.83% |
| Q2 2025 | 6.13% | 2.21% | 4.04% | 6.86% | 3.92% |
| Q3 2025 | 6.16% | 2.34% | 3.96% | 6.82% | 3.98% |
| Q4 2025 | 6.07% | 2.29% | 3.92% | 6.68% | 4.05% |
| Q1 2026 | 5.96% | 2.20% | 3.89% | 6.72% | 4.08% |
| Q2 2026 | 6.03% | 2.18% | 3.99% | 6.85% | 4.17% |
Peoples State Bank of Velva 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 of Velva, 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 of Velva profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10250) · FFIEC NIC profile (RSSD 713252)