Security State 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 0.20 percentage points from Q1 2026 to Q2 2026, ending at 3.26% against 3.06%. It was the largest change among the key lines on this page. Within Wyoming, Security State Bank is 20th of 24 on net interest margin, 3.26% as of Q2 2026. Security State Bank reported 3.26% on net interest margin for Q2 2026, 0.68 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 6.68% |
| Yield on securities | 2.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 1.96% |
| Cost of interest-bearing liabilities | 2.02% |
| Cost of borrowings | 3.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 2.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.7M |
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 | 3.80% | 1.62% | 2.28% | 5.77% | 2.07% |
| Q4 2023 | 3.99% | 1.83% | 2.31% | 5.99% | 2.12% |
| Q1 2024 | 4.08% | 2.08% | 2.09% | 6.10% | 2.07% |
| Q2 2024 | 4.26% | 2.07% | 2.32% | 6.26% | 2.26% |
| Q3 2024 | 4.44% | 2.11% | 2.45% | 6.53% | 2.32% |
| Q4 2024 | 4.53% | 2.04% | 2.58% | 6.57% | 2.34% |
| Q1 2025 | 4.51% | 1.94% | 2.67% | 6.54% | 2.30% |
| Q2 2025 | 4.68% | 2.13% | 2.85% | 6.71% | 2.35% |
| Q3 2025 | 4.87% | 2.21% | 2.96% | 6.86% | 2.39% |
| Q4 2025 | 4.79% | 1.95% | 2.95% | 6.79% | 2.39% |
| Q1 2026 | 4.77% | 1.78% | 3.06% | 6.63% | 2.47% |
| Q2 2026 | 4.94% | 1.79% | 3.26% | 6.68% | 2.49% |
Security State 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 Security State 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 Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12592) · FFIEC NIC profile (RSSD 955959)