Reliance 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.30 percentage points to 3.97%. Reliance Bank ranks 114th of 221 Minnesota banks on net interest margin, in the lower half at 3.97% (Q2 2026). At 3.97%, Reliance Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.51% |
| Yield on loans | 7.16% |
| Yield on securities | 4.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.83% |
| Cost of interest-bearing deposits | 3.08% |
| Cost of interest-bearing liabilities | 3.13% |
| Cost of borrowings | 4.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $1.9M |
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 | 5.55% | 2.32% | 3.41% | 5.94% | 2.32% |
| Q4 2023 | 6.18% | 2.79% | 3.68% | 6.53% | 2.88% |
| Q1 2024 | 6.20% | 3.07% | 3.40% | 6.53% | 3.01% |
| Q2 2024 | 6.03% | 3.18% | 3.14% | 6.35% | 3.20% |
| Q3 2024 | 6.21% | 3.26% | 3.25% | 6.63% | 3.50% |
| Q4 2024 | 6.31% | 3.16% | 3.44% | 6.86% | 3.79% |
| Q1 2025 | 6.15% | 2.92% | 3.48% | 6.70% | 3.88% |
| Q2 2025 | 6.29% | 2.91% | 3.64% | 6.85% | 4.02% |
| Q3 2025 | 6.53% | 2.94% | 3.88% | 7.17% | 4.36% |
| Q4 2025 | 6.52% | 2.89% | 3.91% | 7.20% | 4.37% |
| Q1 2026 | 6.22% | 2.87% | 3.67% | 6.81% | 4.42% |
| Q2 2026 | 6.51% | 2.83% | 3.97% | 7.16% | 4.61% |
Reliance 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 Reliance 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 Reliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58602) · FFIEC NIC profile (RSSD 3596250)