Reliabank Dakota: 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.
Cost of borrowings rose 0.46 percentage points from Q1 2026 to Q2 2026, ending at 3.87% against 3.41%. It was the largest change among the key lines on this page. Within South Dakota, Reliabank Dakota is 44th of 56 on net interest margin, 3.34% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Reliabank Dakota sits 0.60 points lower, at 3.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | 6.81% |
| Yield on securities | 2.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.34% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.8M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.4M |
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 | 4.52% | 2.53% | 2.14% | 6.19% | 1.96% |
| Q4 2023 | 4.58% | 2.58% | 2.16% | 6.28% | 1.97% |
| Q1 2024 | 4.65% | 2.85% | 2.00% | 6.34% | 1.93% |
| Q2 2024 | 4.84% | 2.88% | 2.15% | 6.52% | 2.09% |
| Q3 2024 | 4.92% | 2.95% | 2.17% | 6.52% | 2.02% |
| Q4 2024 | 4.88% | 2.74% | 2.33% | 6.55% | 2.04% |
| Q1 2025 | 4.77% | 2.49% | 2.45% | 6.42% | 2.04% |
| Q2 2025 | 5.02% | 2.36% | 2.85% | 6.73% | 2.07% |
| Q3 2025 | 5.09% | 2.37% | 2.94% | 6.83% | 1.93% |
| Q4 2025 | 5.30% | 2.27% | 3.22% | 6.83% | 2.42% |
| Q1 2026 | 5.20% | 2.13% | 3.23% | 6.62% | 2.26% |
| Q2 2026 | 5.35% | 2.18% | 3.34% | 6.81% | 2.21% |
Reliabank Dakota yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Reliabank Dakota, 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 Reliabank Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16221) · FFIEC NIC profile (RSSD 108951)