Pioneer 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 rose 0.25 percentage points from Q1 2026 to Q2 2026, ending at 4.23% against 3.98%. It was the largest change among the key lines on this page. Pioneer Bank ranks 85th of 221 Minnesota banks on net interest margin, in the upper half at 4.23% (Q2 2026). Pioneer Bank reported 4.23% on net interest margin for Q2 2026, 0.28 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.43% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.33% |
| Cost of interest-bearing deposits | 2.62% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.0M |
| Total interest expense | $4.6M |
| Interest expense on deposits | $4.4M |
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 |
|---|---|---|---|
| Q3 2023 | 5.34% | 2.10% | 3.20% |
| Q4 2023 | 5.54% | 2.05% | 3.28% |
| Q1 2024 | 5.78% | 2.10% | 3.43% |
| Q2 2024 | 5.94% | 2.34% | 3.53% |
| Q3 2024 | 6.09% | 2.78% | 3.46% |
| Q4 2024 | 6.22% | 2.66% | 3.69% |
| Q1 2025 | 6.08% | 2.49% | 3.71% |
| Q2 2025 | 6.37% | 2.48% | 3.98% |
| Q3 2025 | 6.58% | 2.70% | 4.12% |
| Q4 2025 | 6.40% | 2.52% | 4.05% |
| Q1 2026 | 6.18% | 2.32% | 3.98% |
| Q2 2026 | 6.43% | 2.33% | 4.23% |
Pioneer 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 Pioneer 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 Pioneer Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5193) · FFIEC NIC profile (RSSD 920854)