Produce State 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.
Between Q1 2026 and Q2 2026, none of the key lines on this page moved by much; the largest change was in Cost of interest-bearing deposits, from 1.17% to 1.20%. Produce State Bank ranks 47th of 221 Minnesota banks on net interest margin, in the upper half at 4.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Produce State Bank sits 0.59 points higher, at 4.54% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 6.46% |
| Yield on securities | 3.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.82% |
| Cost of interest-bearing deposits | 1.20% |
| Cost of interest-bearing liabilities | 1.20% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.54% |
| Yield to cost spread | 4.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $975K |
| Total interest expense | $199K |
| Interest expense on deposits | $199K |
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 | 5.02% | 0.46% | 4.60% | 6.00% | 4.08% |
| Q4 2023 | 5.24% | 0.76% | 4.54% | 6.30% | 4.21% |
| Q1 2024 | 5.15% | 0.76% | 4.45% | 6.23% | 4.16% |
| Q2 2024 | 5.18% | 0.77% | 4.48% | 6.29% | 4.09% |
| Q3 2024 | 5.29% | 0.77% | 4.58% | 6.43% | 4.04% |
| Q4 2024 | 5.28% | 0.77% | 4.56% | 6.50% | 3.94% |
| Q1 2025 | 5.07% | 0.76% | 4.37% | 6.22% | 3.87% |
| Q2 2025 | 5.12% | 0.81% | 4.38% | 6.25% | 3.86% |
| Q3 2025 | 5.27% | 0.83% | 4.51% | 6.49% | 3.93% |
| Q4 2025 | 5.22% | 0.82% | 4.46% | 6.45% | 3.83% |
| Q1 2026 | 5.26% | 0.80% | 4.53% | 6.47% | 3.72% |
| Q2 2026 | 5.29% | 0.82% | 4.54% | 6.46% | 3.72% |
Produce State 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 Produce State 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 Produce State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10178) · FFIEC NIC profile (RSSD 24659)