RNB 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 3.90% against 3.70%. It was the largest change among the key lines on this page. Within Wyoming, RNB State Bank is 16th of 24 on net interest margin, 3.90% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; RNB State Bank reported 3.90% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | 6.55% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.79% |
| Cost of interest-bearing liabilities | 1.79% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.90% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $962K |
| Interest expense on deposits | $962K |
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 | 4.33% | 1.17% | 3.19% | 5.56% | 2.13% |
| Q4 2023 | 4.42% | 1.25% | 3.22% | 5.60% | 2.20% |
| Q1 2024 | 4.42% | 1.21% | 3.21% | 5.61% | 2.24% |
| Q2 2024 | 4.62% | 1.30% | 3.32% | 5.86% | 2.29% |
| Q3 2024 | 4.74% | 1.40% | 3.39% | 6.02% | 2.55% |
| Q4 2024 | 4.80% | 1.35% | 3.51% | 6.09% | 2.94% |
| Q1 2025 | 4.78% | 1.31% | 3.50% | 5.79% | 3.41% |
| Q2 2025 | 4.99% | 1.37% | 3.67% | 6.15% | 3.48% |
| Q3 2025 | 5.04% | 1.36% | 3.76% | 6.33% | 3.62% |
| Q4 2025 | 4.99% | 1.36% | 3.69% | 6.20% | 3.57% |
| Q1 2026 | 5.08% | 1.45% | 3.70% | 6.44% | 3.62% |
| Q2 2026 | 5.26% | 1.42% | 3.90% | 6.55% | 3.68% |
RNB 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 RNB 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 RNB State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2228) · FFIEC NIC profile (RSSD 548052)