Security Bank Minnesota: 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.
In Q2 2026, Yield on loans edged down by 0.06 percentage points, from 6.73% to 6.67%, the largest move among the key lines here. Within Minnesota, Security Bank Minnesota is 48th of 221 on net interest margin, 4.52% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Security Bank Minnesota sits 0.57 points higher, at 4.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 6.67% |
| Yield on securities | 3.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.56% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | 2.61% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.52% |
| Yield to cost spread | 3.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $525K |
| Interest expense on deposits | $474K |
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 | 5.67% | 1.34% | 4.46% | 5.82% | 4.46% |
| Q4 2023 | 5.90% | 1.61% | 4.45% | 6.01% | 5.28% |
| Q1 2024 | 6.08% | 1.75% | 4.48% | 6.19% | 5.29% |
| Q2 2024 | 6.07% | 1.86% | 4.37% | 6.21% | 5.25% |
| Q3 2024 | 5.83% | 1.99% | 4.03% | 6.03% | 5.01% |
| Q4 2024 | 6.00% | 1.97% | 4.23% | 6.35% | 4.39% |
| Q1 2025 | 6.13% | 1.86% | 4.41% | 6.68% | 4.28% |
| Q2 2025 | 6.09% | 1.83% | 4.42% | 6.69% | 4.23% |
| Q3 2025 | 6.24% | 1.78% | 4.64% | 7.07% | 4.21% |
| Q4 2025 | 6.05% | 1.75% | 4.47% | 6.77% | 4.12% |
| Q1 2026 | 5.94% | 1.59% | 4.49% | 6.73% | 3.91% |
| Q2 2026 | 5.93% | 1.56% | 4.52% | 6.67% | 3.89% |
Security Bank Minnesota yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank Minnesota, 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 Security Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10984) · FFIEC NIC profile (RSSD 295057)