Profinium, Inc.: 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, Net interest margin rose 0.17 percentage points in Q2 2026 to 3.45%, the biggest move on this page. Within Minnesota, Profinium, Inc. is 179th of 221 on net interest margin, 3.45% as of Q2 2026. Profinium, Inc. reported 3.45% on net interest margin for Q2 2026, 0.49 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | 6.12% |
| Yield on securities | 2.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 4.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.45% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.0M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.2M |
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 | 4.83% | 1.98% | 2.91% | 5.18% | 2.70% |
| Q4 2023 | 4.88% | 2.24% | 2.71% | 5.30% | 2.54% |
| Q1 2024 | 4.79% | 2.42% | 2.52% | 5.35% | 2.06% |
| Q2 2024 | 5.03% | 2.48% | 2.68% | 5.59% | 2.19% |
| Q3 2024 | 5.12% | 2.63% | 2.65% | 5.70% | 2.10% |
| Q4 2024 | 5.16% | 2.53% | 2.77% | 5.80% | 2.11% |
| Q1 2025 | 5.36% | 2.37% | 3.12% | 6.06% | 2.12% |
| Q2 2025 | 5.18% | 2.38% | 2.96% | 5.83% | 2.11% |
| Q3 2025 | 5.34% | 2.41% | 3.09% | 5.99% | 2.11% |
| Q4 2025 | 5.32% | 2.23% | 3.22% | 6.02% | 2.04% |
| Q1 2026 | 5.21% | 2.05% | 3.28% | 5.93% | 2.14% |
| Q2 2026 | 5.36% | 2.07% | 3.45% | 6.12% | 2.23% |
Profinium, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Profinium, Inc., 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 Profinium, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1905) · FFIEC NIC profile (RSSD 865450)