Security State Bank of Aitkin: 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, Net interest margin edged up by 0.05 percentage points, from 3.77% to 3.82%, the largest move among the key lines here. Security State Bank of Aitkin ranks 136th of 221 Minnesota banks on net interest margin, in the lower half at 3.82% (Q2 2026). Security State Bank of Aitkin reported 3.82% on net interest margin for Q2 2026, 0.13 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.84% |
| Yield on loans | 7.71% |
| Yield on securities | 1.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.07% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.59% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $278K |
| Interest expense on deposits | $268K |
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 | 4.03% | 0.64% | 3.42% | 6.64% | 2.07% |
| Q4 2023 | 4.17% | 0.73% | 3.48% | 6.87% | 2.08% |
| Q1 2024 | 4.18% | 0.72% | 3.50% | 6.91% | 2.08% |
| Q2 2024 | 4.78% | 0.85% | 3.90% | 7.28% | 2.47% |
| Q3 2024 | 4.96% | 0.92% | 4.00% | 7.79% | 2.39% |
| Q4 2024 | 4.92% | 1.07% | 3.86% | 7.95% | 2.26% |
| Q1 2025 | 4.76% | 1.12% | 3.71% | 8.05% | 1.94% |
| Q2 2025 | 5.24% | 1.20% | 4.04% | 8.12% | 2.23% |
| Q3 2025 | 4.90% | 1.18% | 3.81% | 8.19% | 1.93% |
| Q4 2025 | 4.83% | 1.17% | 3.71% | 7.79% | 1.76% |
| Q1 2026 | 4.84% | 1.11% | 3.77% | 7.69% | 1.75% |
| Q2 2026 | 4.84% | 1.07% | 3.82% | 7.71% | 1.74% |
Security State Bank of Aitkin 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 of Aitkin, 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 of Aitkin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16656) · FFIEC NIC profile (RSSD 267652)