Premier 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.
Total interest expense dropped 8.4% in Q2 2026, from $5.0M to $4.6M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Premier Bank is 53rd of 221 on net interest margin, 4.50% as of Q2 2026. Premier Bank reported 4.50% on net interest margin for Q2 2026, 0.79 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.15% |
| Yield on loans | 7.02% |
| Yield on securities | 2.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | 4.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.50% |
| Yield to cost spread | 4.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.5M |
| Total interest expense | $4.6M |
| Interest expense on deposits | $4.5M |
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 | 5.08% | 1.59% | 3.62% | 6.08% | 1.07% |
| Q4 2023 | 5.32% | 1.84% | 3.64% | 6.30% | 1.09% |
| Q1 2024 | 5.30% | 2.16% | 3.35% | 6.23% | 1.11% |
| Q2 2024 | 5.54% | 2.25% | 3.49% | 6.43% | 1.12% |
| Q3 2024 | 5.70% | 2.36% | 3.57% | 6.60% | 1.13% |
| Q4 2024 | 5.72% | 2.25% | 3.69% | 6.64% | 1.24% |
| Q1 2025 | 5.65% | 2.12% | 3.72% | 6.59% | 1.34% |
| Q2 2025 | 5.84% | 2.08% | 3.95% | 6.77% | 1.52% |
| Q3 2025 | 6.07% | 2.04% | 4.22% | 7.03% | 1.70% |
| Q4 2025 | 6.04% | 1.93% | 4.26% | 6.99% | 1.87% |
| Q1 2026 | 6.06% | 1.87% | 4.33% | 7.16% | 2.23% |
| Q2 2026 | 6.15% | 1.81% | 4.50% | 7.02% | 2.49% |
Premier 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 Premier 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 Premier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21714) · FFIEC NIC profile (RSSD 33259)