Saint Martin National 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 0.18 percentage points from Q2 2026 to Q3 2026, ending at 3.99% against 3.81%. It was the largest change among the key lines on this page. Within Minnesota, Saint Martin National Bank is 112th of 221 on net interest margin, 3.99% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin; Saint Martin National Bank reported 3.99% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.83% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.99% |
| Cost of interest-bearing deposits | 1.33% |
| Cost of interest-bearing liabilities | 1.33% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $222K |
| Total interest expense | $61K |
| Interest expense on deposits | $61K |
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 |
|---|---|---|---|
| Q4 2023 | 3.12% | 0.76% | 2.46% |
| Q1 2024 | 3.23% | 0.71% | 2.60% |
| Q2 2024 | 3.50% | 0.74% | 2.86% |
| Q3 2024 | 3.89% | 0.78% | 3.19% |
| Q4 2024 | 3.94% | 0.84% | 3.21% |
| Q1 2025 | 3.98% | 0.82% | 3.25% |
| Q2 2025 | 4.19% | 0.89% | 3.39% |
| Q3 2025 | 4.41% | 0.96% | 3.58% |
| Q4 2025 | 4.53% | 0.98% | 3.69% |
| Q1 2026 | 4.49% | 0.99% | 3.62% |
| Q2 2026 | 4.70% | 1.01% | 3.81% |
| Q3 2026 | 4.83% | 0.99% | 3.99% |
Saint Martin National 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 Saint Martin National 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 Saint Martin National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18937) · FFIEC NIC profile (RSSD 856159)