Pine River 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.21 percentage points to 3.86%. Within Minnesota, Pine River State Bank is 127th of 221 on net interest margin, 3.86% as of Q2 2026, below the middle of the field. At 3.86%, Pine River State Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | 6.48% |
| Yield on securities | 3.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 1.89% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $588K |
| Interest expense on deposits | $588K |
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 | 3.92% | 1.12% | 2.83% | 5.75% | 1.09% |
| Q4 2023 | 4.00% | 1.21% | 2.84% | 5.91% | 0.93% |
| Q1 2024 | 4.19% | 1.24% | 2.99% | 6.02% | 1.09% |
| Q2 2024 | 4.37% | 1.39% | 3.03% | 6.17% | 1.10% |
| Q3 2024 | 4.55% | 1.47% | 3.13% | 6.36% | 1.10% |
| Q4 2024 | 4.65% | 1.46% | 3.25% | 6.36% | 1.36% |
| Q1 2025 | 4.62% | 1.45% | 3.23% | 6.17% | 1.87% |
| Q2 2025 | 4.74% | 1.38% | 3.43% | 6.54% | 2.13% |
| Q3 2025 | 4.96% | 1.41% | 3.64% | 6.50% | 2.46% |
| Q4 2025 | 5.02% | 1.41% | 3.70% | 6.60% | 2.74% |
| Q1 2026 | 4.97% | 1.40% | 3.65% | 6.33% | 3.05% |
| Q2 2026 | 5.19% | 1.40% | 3.86% | 6.48% | 3.24% |
Pine River 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 Pine River 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 Pine River State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10194) · FFIEC NIC profile (RSSD 729057)