Star 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.
The largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.31 percentage points to 2.64%. On net interest margin, Star Bank ranks 16th highest among the 221 banks headquartered in Minnesota, at 5.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Star Bank sits 1.10 points higher, at 5.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.56% |
| Yield on loans | 7.25% |
| Yield on securities | 2.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.05% |
| Yield to cost spread | 4.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
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 | 5.63% | 1.02% | 4.68% | 6.48% | 1.41% |
| Q4 2023 | 5.92% | 1.32% | 4.69% | 6.76% | 1.44% |
| Q1 2024 | 5.99% | 1.47% | 4.61% | 6.82% | 1.48% |
| Q2 2024 | 6.19% | 1.59% | 4.67% | 6.94% | 1.52% |
| Q3 2024 | 6.35% | 1.84% | 4.61% | 7.04% | 1.74% |
| Q4 2024 | 6.70% | 1.82% | 5.00% | 7.42% | 2.04% |
| Q1 2025 | 6.14% | 1.77% | 4.48% | 6.77% | 1.95% |
| Q2 2025 | 6.32% | 1.83% | 4.62% | 6.90% | 2.14% |
| Q3 2025 | 6.44% | 1.82% | 4.75% | 7.03% | 2.10% |
| Q4 2025 | 6.51% | 1.72% | 4.91% | 7.14% | 2.52% |
| Q1 2026 | 6.55% | 1.62% | 5.01% | 7.30% | 2.33% |
| Q2 2026 | 6.56% | 1.60% | 5.05% | 7.25% | 2.64% |
Star 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 Star 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 Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5095) · FFIEC NIC profile (RSSD 715050)