Prairie Sun 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.
In Q2 2026, Yield on loans edged up by 0.10 percentage points, from 6.88% to 6.98%, the largest move among the key lines here. Within Minnesota, Prairie Sun Bank is 91st of 221 on net interest margin, 4.18% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Prairie Sun Bank sits 0.23 points higher, at 4.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 6.98% |
| Yield on securities | 1.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 5.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $442K |
| Interest expense on deposits | $406K |
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 | 4.50% | 2.05% | 2.53% | 6.44% | 1.47% |
| Q4 2023 | 4.75% | 2.29% | 2.56% | 6.50% | 1.48% |
| Q1 2024 | 5.01% | 2.24% | 2.84% | 6.59% | 1.38% |
| Q2 2024 | 5.30% | 2.28% | 3.19% | 7.00% | 1.26% |
| Q3 2024 | 5.65% | 2.48% | 3.30% | 7.32% | 1.26% |
| Q4 2024 | 5.61% | 2.11% | 3.60% | 7.14% | 1.26% |
| Q1 2025 | 5.64% | 1.80% | 3.86% | 6.95% | 1.31% |
| Q2 2025 | 5.59% | 2.21% | 3.50% | 7.14% | 1.33% |
| Q3 2025 | 5.77% | 2.12% | 3.75% | 7.12% | 1.37% |
| Q4 2025 | 5.85% | 2.01% | 4.01% | 7.00% | 1.40% |
| Q1 2026 | 5.93% | 1.79% | 4.16% | 6.88% | 1.47% |
| Q2 2026 | 5.93% | 1.87% | 4.18% | 6.98% | 1.53% |
Prairie Sun 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 Prairie Sun 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 Prairie Sun Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8207) · FFIEC NIC profile (RSSD 960551)