Richland 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 Yield on loans: 0.77 percentage points higher than in Q1 2026, at 7.21%. Richland State Bank has the 3rd lowest net interest margin of the 56 banks headquartered in South Dakota, at 2.78% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Richland State Bank sits 1.11 points lower, at 2.78% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.47% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.78% |
| Yield to cost spread | 2.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $341K |
| Total interest expense | $194K |
| Interest expense on deposits | $194K |
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 | 4.77% | 0.96% | 3.93% |
| Q4 2023 | 4.87% | 1.16% | 3.85% |
| Q1 2024 | 4.65% | 1.38% | 3.50% |
| Q2 2024 | 4.49% | 1.60% | 3.13% |
| Q3 2024 | 4.72% | 1.88% | 3.13% |
| Q4 2024 | 4.84% | 2.00% | 3.11% |
| Q1 2025 | 4.40% | 1.99% | 2.69% |
| Q2 2025 | 4.44% | 1.99% | 2.75% |
| Q3 2025 | 4.54% | 2.03% | 2.80% |
| Q4 2025 | 4.97% | 2.14% | 3.04% |
| Q1 2026 | 4.42% | 1.88% | 2.68% |
| Q2 2026 | 4.47% | 1.80% | 2.78% |
Richland 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 Richland 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 Richland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1675) · FFIEC NIC profile (RSSD 83852)