Rushford State Bank (Incorporated): 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 Net interest margin: 6.11 percentage points lower than in Q1 2026, at -2.61%. Rushford State Bank (Incorporated) has the 1st lowest net interest margin of the 221 banks headquartered in Minnesota, at -2.61% as of Q2 2026. Against a median of 3.95% for banks in the $100M-1B asset tier, Rushford State Bank (Incorporated) reported -2.61% on net interest margin in Q2 2026, 6.56 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | -4.04% |
| Yield on loans | -5.41% |
| Yield on securities | -2.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | -1.47% |
| Cost of interest-bearing deposits | -1.93% |
| Cost of interest-bearing liabilities | -1.93% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | -2.61% |
| Yield to cost spread | -2.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | -$792K |
| Total interest expense | -$394K |
| Interest expense on deposits | -$394K |
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 | 4.22% | 1.91% | 2.35% | 5.72% | 1.54% |
| Q4 2023 | 4.45% | 1.99% | 2.51% | 5.95% | 1.57% |
| Q1 2024 | 4.53% | 1.86% | 2.56% | 5.84% | 1.57% |
| Q2 2024 | 4.96% | 1.95% | 2.99% | 6.10% | 1.79% |
| Q3 2024 | 5.35% | 1.82% | 3.50% | 6.38% | 1.70% |
| Q4 2024 | 5.17% | 1.80% | 3.38% | 6.26% | 2.12% |
| Q1 2025 | 5.05% | 1.75% | 3.35% | 6.22% | 3.00% |
| Q2 2025 | 5.41% | 1.89% | 3.54% | 6.42% | 3.32% |
| Q3 2025 | 5.46% | 1.91% | 3.62% | 6.44% | 3.59% |
| Q4 2025 | 5.40% | 1.85% | 3.60% | 6.45% | 3.62% |
| Q1 2026 | 5.19% | 1.76% | 3.50% | 6.31% | 3.86% |
| Q2 2026 | -4.04% | -1.47% | -2.61% | -5.41% | -2.13% |
Rushford State Bank (Incorporated) yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rushford State Bank (Incorporated), 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 Rushford State Bank (Incorporated) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11411) · FFIEC NIC profile (RSSD 884657)