Sidney 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.
In Q2 2026, Yield on loans edged down by 0.21 percentage points, from 7.26% to 7.05%, the largest move among the key lines here. On net interest margin, Sidney State Bank ranks 5th highest among the 72 banks headquartered in Michigan, at 4.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Sidney State Bank sits 1.03 points higher, at 4.97% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.11% |
| Yield on loans | 7.05% |
| Yield on securities | 4.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.43% |
| Cost of interest-bearing liabilities | 1.45% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.97% |
| Yield to cost spread | 4.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $396K |
| Interest expense on deposits | $386K |
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 | 5.14% | 1.17% | 4.03% | 6.07% | 1.59% |
| Q4 2023 | 5.23% | 1.32% | 3.96% | 6.23% | 1.77% |
| Q1 2024 | 5.33% | 1.49% | 3.95% | 6.38% | 2.05% |
| Q2 2024 | 5.53% | 1.58% | 4.05% | 6.41% | 2.45% |
| Q3 2024 | 5.75% | 1.64% | 4.20% | 6.65% | 2.90% |
| Q4 2024 | 5.64% | 1.52% | 4.21% | 6.51% | 3.63% |
| Q1 2025 | 5.61% | 1.44% | 4.26% | 6.67% | 3.33% |
| Q2 2025 | 5.85% | 1.30% | 4.61% | 6.81% | 3.93% |
| Q3 2025 | 3.88% | 0.95% | 3.00% | 4.54% | 2.63% |
| Q4 2025 | 8.11% | 1.77% | 6.48% | 9.28% | 5.91% |
| Q1 2026 | 6.21% | 1.25% | 5.06% | 7.26% | 4.24% |
| Q2 2026 | 6.11% | 1.24% | 4.97% | 7.05% | 4.23% |
Sidney 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 Sidney 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 Sidney State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17232) · FFIEC NIC profile (RSSD 648345)