Prinsbank: 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 7.1% in Q2 2026 to $1.5M, the biggest move on this page. Within Minnesota, Prinsbank is 96th of 221 on net interest margin, 4.16% as of Q2 2026. Prinsbank reported 4.16% on net interest margin for Q2 2026, 0.22 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.07% |
| Yield on loans | 7.35% |
| Yield on securities | 4.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.41% |
| Cost of interest-bearing deposits | 2.79% |
| Cost of interest-bearing liabilities | 2.79% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.16% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 8.32% | 2.21% | 6.61% | 9.57% | 3.53% |
| Q4 2023 | 7.65% | 2.39% | 5.74% | 8.82% | 3.84% |
| Q1 2024 | 6.26% | 2.72% | 4.05% | 6.94% | 3.94% |
| Q2 2024 | 6.84% | 2.99% | 4.44% | 7.86% | 3.96% |
| Q3 2024 | 7.23% | 3.16% | 4.79% | 8.38% | 4.41% |
| Q4 2024 | 6.07% | 3.09% | 3.67% | 6.90% | 4.29% |
| Q1 2025 | 6.60% | 2.78% | 4.41% | 8.28% | 4.18% |
| Q2 2025 | 5.99% | 2.66% | 3.82% | 7.27% | 4.23% |
| Q3 2025 | 7.17% | 2.76% | 4.96% | 9.67% | 4.29% |
| Q4 2025 | 6.60% | 2.66% | 4.43% | 7.71% | 4.12% |
| Q1 2026 | 6.01% | 2.15% | 4.27% | 7.42% | 4.47% |
| Q2 2026 | 6.07% | 2.41% | 4.16% | 7.35% | 4.44% |
Prinsbank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Prinsbank, 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 Prinsbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10191) · FFIEC NIC profile (RSSD 787459)