Premier Bank Minnesota: 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 standout move of Q2 2026 was in Cost of borrowings: 5.60 percentage points lower than in Q1 2026, at 7.20%. Premier Bank Minnesota ranks 34th of 221 Minnesota banks on net interest margin, in the upper half at 4.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Premier Bank Minnesota sits 0.68 points higher, at 4.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | 6.66% |
| Yield on securities | 2.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.50% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | 7.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.63% |
| Yield to cost spread | 4.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.2M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
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 | 4.73% | 1.48% | 3.40% | 5.49% | 1.07% |
| Q4 2023 | 4.98% | 1.80% | 3.36% | 5.83% | 0.99% |
| Q1 2024 | 5.15% | 1.93% | 3.41% | 5.97% | 0.97% |
| Q2 2024 | 5.26% | 2.01% | 3.45% | 6.04% | 0.97% |
| Q3 2024 | 5.37% | 2.05% | 3.53% | 6.15% | 0.97% |
| Q4 2024 | 5.48% | 1.87% | 3.82% | 6.28% | 1.05% |
| Q1 2025 | 5.50% | 1.86% | 3.85% | 6.25% | 1.14% |
| Q2 2025 | 5.67% | 1.83% | 4.04% | 6.39% | 1.25% |
| Q3 2025 | 5.83% | 1.80% | 4.19% | 6.51% | 1.55% |
| Q4 2025 | 5.79% | 1.65% | 4.27% | 6.52% | 1.73% |
| Q1 2026 | 5.93% | 1.44% | 4.56% | 6.57% | 2.10% |
| Q2 2026 | 6.04% | 1.50% | 4.63% | 6.66% | 2.26% |
Premier Bank Minnesota 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 Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33204) · FFIEC NIC profile (RSSD 1481745)