Security State Bank of Warroad: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.19 percentage points to 3.53%. Security State Bank of Warroad ranks 172nd of 221 Minnesota banks on net interest margin, in the lower half at 3.53% (Q2 2026). Security State Bank of Warroad reported 3.53% on net interest margin for Q2 2026, 0.42 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.66% |
| Yield on loans | 7.12% |
| Yield on securities | 2.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.26% |
| Cost of interest-bearing deposits | 1.81% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.53% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $385K |
| Interest expense on deposits | $385K |
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 | 4.13% | 1.20% | 3.01% | 6.03% | 1.88% |
| Q4 2023 | 4.23% | 1.32% | 3.01% | 6.18% | 1.96% |
| Q1 2024 | 4.26% | 1.43% | 2.95% | 6.27% | 1.88% |
| Q2 2024 | 4.29% | 1.52% | 2.91% | 6.35% | 1.88% |
| Q3 2024 | 4.43% | 1.55% | 3.02% | 6.55% | 1.91% |
| Q4 2024 | 4.26% | 1.56% | 2.84% | 6.32% | 1.88% |
| Q1 2025 | 4.51% | 1.47% | 3.16% | 6.96% | 1.93% |
| Q2 2025 | 4.66% | 1.45% | 3.35% | 7.21% | 1.97% |
| Q3 2025 | 4.81% | 1.39% | 3.57% | 7.38% | 2.05% |
| Q4 2025 | 4.76% | 1.38% | 3.52% | 7.41% | 1.96% |
| Q1 2026 | 4.51% | 1.34% | 3.34% | 7.04% | 1.96% |
| Q2 2026 | 4.66% | 1.26% | 3.53% | 7.12% | 2.01% |
Security State Bank of Warroad 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 Warroad, 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 Warroad profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9773) · FFIEC NIC profile (RSSD 868059)