Randall 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.
In Q2 2026, Yield on securities edged up by 0.23 percentage points, from 3.78% to 4.00%, the largest move among the key lines here. Among 221 Minnesota banks, Randall State Bank sits 5th from the top on net interest margin, 5.93% as of Q2 2026. Randall State Bank's net interest margin of 5.93% is well above the 3.89% median for banks in the < $100M asset tier, a gap of 2.04 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.46% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.93% |
| Yield to cost spread | 5.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $263K |
| Interest expense on deposits | $263K |
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 |
|---|---|---|---|
| Q3 2023 | 5.70% | 1.12% | 4.66% |
| Q4 2023 | 6.07% | 1.29% | 4.86% |
| Q1 2024 | 6.00% | 1.32% | 4.75% |
| Q2 2024 | 6.38% | 1.47% | 4.91% |
| Q3 2024 | 6.87% | 1.64% | 5.37% |
| Q4 2024 | 7.07% | 1.63% | 5.56% |
| Q1 2025 | 7.07% | 1.55% | 5.63% |
| Q2 2025 | 7.03% | 1.59% | 5.55% |
| Q3 2025 | 1.02% | -2.58% | 0.78% |
| Q4 2025 | 7.20% | 1.65% | 5.69% |
| Q1 2026 | 7.32% | 1.59% | 5.84% |
| Q2 2026 | 7.46% | 1.65% | 5.93% |
Randall 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 Randall 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 Randall State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10969) · FFIEC NIC profile (RSSD 172251)