Security Bank & Trust Company: 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, Total interest expense edged up by 2.4%, from $5.6M to $5.7M, the largest move among the key lines here. Within Minnesota, Security Bank & Trust Company is 120th of 221 on net interest margin, 3.93% as of Q2 2026, below the middle of the field. Security Bank & Trust Company reported 3.93% on net interest margin for Q2 2026, 0.22 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.73% |
| Yield on loans | 6.41% |
| Yield on securities | 4.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.7M |
| Total interest expense | $5.7M |
| Interest expense on deposits | $5.7M |
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 | 4.54% | 1.70% | 3.01% | 5.31% | 2.38% |
| Q4 2023 | 4.79% | 1.90% | 3.07% | 5.50% | 2.85% |
| Q1 2024 | 4.96% | 2.08% | 3.06% | 5.72% | 2.88% |
| Q2 2024 | 7.16% | 2.65% | 4.66% | 8.32% | 3.07% |
| Q3 2024 | 5.56% | 2.09% | 3.54% | 6.26% | 3.09% |
| Q4 2024 | 5.52% | 2.09% | 3.56% | 6.32% | 3.13% |
| Q1 2025 | 5.37% | 2.01% | 3.50% | 6.36% | 3.05% |
| Q2 2025 | 5.75% | 2.04% | 3.85% | 6.13% | 4.92% |
| Q3 2025 | 5.68% | 2.06% | 3.76% | 6.43% | 4.23% |
| Q4 2025 | 5.74% | 2.00% | 3.88% | 6.46% | 4.32% |
| Q1 2026 | 5.62% | 1.94% | 3.83% | 6.29% | 4.30% |
| Q2 2026 | 5.73% | 1.94% | 3.93% | 6.41% | 4.37% |
Security Bank & Trust Company 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 & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15324) · FFIEC NIC profile (RSSD 1001059)