Red River 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.
The standout move of Q2 2026 was in Net interest margin: 0.96 percentage points lower than in Q1 2026, at 4.83%. Within Minnesota, Red River State Bank is 25th of 221 on net interest margin, 4.83% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Red River State Bank sits 0.88 points higher, at 4.83% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.18% |
| Yield on loans | 6.48% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.50% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.83% |
| Yield to cost spread | 3.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $384K |
| Interest expense on deposits | $381K |
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 | 5.79% | 1.43% | 4.56% | 5.95% | 2.58% |
| Q4 2023 | 5.80% | 1.77% | 4.29% | 5.99% | 2.47% |
| Q1 2024 | 5.67% | 1.73% | 4.15% | 5.82% | 3.16% |
| Q2 2024 | 5.88% | 2.03% | 4.15% | 6.01% | 3.28% |
| Q3 2024 | 6.02% | 2.19% | 4.16% | 6.17% | 3.35% |
| Q4 2024 | 5.94% | 2.32% | 3.99% | 6.16% | 3.33% |
| Q1 2025 | 6.03% | 2.11% | 4.24% | 6.33% | 3.29% |
| Q2 2025 | 5.55% | 1.92% | 3.91% | 5.69% | 3.22% |
| Q3 2025 | 5.88% | 1.89% | 4.26% | 6.04% | 3.31% |
| Q4 2025 | 5.85% | 1.82% | 4.30% | 6.11% | 3.33% |
| Q1 2026 | 7.17% | 1.53% | 5.79% | 7.62% | 3.74% |
| Q2 2026 | 6.18% | 1.50% | 4.83% | 6.48% | 3.51% |
Red River 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 Red River 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 Red River State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15820) · FFIEC NIC profile (RSSD 1005655)