Plains Commerce 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.
Compared with Q1 2026, Total interest expense rose 7.5% in Q2 2026 to $8.0M, the biggest move on this page. Plains Commerce Bank ranks 37th of 56 South Dakota banks on net interest margin, in the lower half at 3.66% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Plains Commerce Bank reported 3.66% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | 6.39% |
| Yield on securities | 4.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.59% |
| Cost of interest-bearing deposits | 3.12% |
| Cost of interest-bearing liabilities | 3.30% |
| Cost of borrowings | 4.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 2.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.2M |
| Total interest expense | $8.0M |
| Interest expense on deposits | $6.8M |
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 | 6.08% | 2.82% | 3.33% | 6.32% | 3.35% |
| Q4 2023 | 6.17% | 2.82% | 3.43% | 6.40% | 3.46% |
| Q1 2024 | 6.11% | 3.06% | 3.16% | 6.35% | 3.52% |
| Q2 2024 | 6.26% | 3.32% | 3.08% | 6.43% | 3.94% |
| Q3 2024 | 6.31% | 3.39% | 3.02% | 6.52% | 3.86% |
| Q4 2024 | 6.17% | 3.20% | 3.04% | 6.37% | 3.83% |
| Q1 2025 | 6.22% | 2.96% | 3.28% | 6.43% | 3.99% |
| Q2 2025 | 6.20% | 3.03% | 3.24% | 6.40% | 4.18% |
| Q3 2025 | 6.45% | 2.97% | 3.53% | 6.68% | 4.26% |
| Q4 2025 | 6.31% | 2.85% | 3.49% | 6.51% | 4.14% |
| Q1 2026 | 6.02% | 2.55% | 3.51% | 6.21% | 4.32% |
| Q2 2026 | 6.19% | 2.59% | 3.66% | 6.39% | 4.04% |
Plains Commerce 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 Plains Commerce 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 Plains Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1678) · FFIEC NIC profile (RSSD 593052)