Security Bank USA: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 4.55%. Security Bank USA ranks 43rd of 221 Minnesota banks on net interest margin, in the upper half at 4.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Security Bank USA sits 0.60 points higher, at 4.55% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.14% |
| Yield on loans | 6.92% |
| Yield on securities | 3.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.55% |
| Yield to cost spread | 4.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 5.42% | 1.84% | 3.72% | 6.05% | 3.41% |
| Q4 2023 | 5.57% | 2.02% | 3.70% | 6.13% | 3.49% |
| Q1 2024 | 5.49% | 2.01% | 3.61% | 6.11% | 3.49% |
| Q2 2024 | 5.68% | 1.98% | 3.81% | 6.22% | 3.60% |
| Q3 2024 | 6.05% | 1.92% | 4.24% | 6.79% | 3.66% |
| Q4 2024 | 5.81% | 1.84% | 4.09% | 6.44% | 3.71% |
| Q1 2025 | 5.71% | 1.81% | 4.04% | 6.35% | 3.74% |
| Q2 2025 | 6.05% | 1.78% | 4.37% | 6.73% | 3.80% |
| Q3 2025 | 6.14% | 1.73% | 4.53% | 6.85% | 3.80% |
| Q4 2025 | 6.28% | 1.65% | 4.73% | 7.10% | 3.82% |
| Q1 2026 | 5.97% | 1.62% | 4.45% | 6.86% | 3.77% |
| Q2 2026 | 6.14% | 1.69% | 4.55% | 6.92% | 3.75% |
Security Bank USA 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 USA, 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 USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1604) · FFIEC NIC profile (RSSD 950758)