Rivers Edge 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 Total interest expense: 9.2% higher than in Q1 2026, at $1.8M. Rivers Edge Bank ranks 26th of 56 South Dakota banks on net interest margin, in the upper half at 3.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Rivers Edge Bank reported 3.98% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.10% |
| Yield on loans | 6.69% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.24% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.69% |
| Cost of borrowings | 3.96% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.5M |
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 | 5.08% | 2.08% | 3.11% | 6.41% | 1.37% |
| Q4 2023 | 5.32% | 2.27% | 3.15% | 6.40% | 1.74% |
| Q1 2024 | 5.35% | 2.42% | 3.04% | 6.43% | 1.83% |
| Q2 2024 | 5.52% | 2.58% | 3.05% | 6.75% | 2.06% |
| Q3 2024 | 5.70% | 2.78% | 3.05% | 6.83% | 2.43% |
| Q4 2024 | 5.72% | 2.60% | 3.27% | 6.65% | 2.64% |
| Q1 2025 | 5.64% | 2.38% | 3.38% | 6.44% | 2.67% |
| Q2 2025 | 5.80% | 2.29% | 3.63% | 6.67% | 2.74% |
| Q3 2025 | 6.17% | 2.35% | 3.94% | 6.88% | 3.26% |
| Q4 2025 | 6.18% | 2.27% | 4.04% | 6.76% | 3.32% |
| Q1 2026 | 6.01% | 2.15% | 3.98% | 6.48% | 3.23% |
| Q2 2026 | 6.10% | 2.24% | 3.98% | 6.69% | 3.40% |
Rivers Edge 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 Rivers Edge 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 Rivers Edge Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9935) · FFIEC NIC profile (RSSD 474450)