Starion 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 2.97%. Starion Bank has the 4th lowest net interest margin of the 60 banks headquartered in North Dakota, at 2.97% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Starion Bank sits 0.74 points lower, at 2.97% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.79% |
| Yield on loans | 5.87% |
| Yield on securities | 2.83% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 4.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.97% |
| Yield to cost spread | 2.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.4M |
| Total interest expense | $9.6M |
| Interest expense on deposits | $8.6M |
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 | 4.22% | 2.28% | 2.17% | 5.57% | 1.79% |
| Q4 2023 | 4.31% | 2.61% | 1.97% | 5.59% | 1.80% |
| Q1 2024 | 4.41% | 2.78% | 1.89% | 5.63% | 1.78% |
| Q2 2024 | 4.50% | 2.79% | 2.01% | 5.74% | 1.77% |
| Q3 2024 | 4.53% | 2.79% | 2.02% | 5.76% | 1.84% |
| Q4 2024 | 4.53% | 2.63% | 2.17% | 5.72% | 1.94% |
| Q1 2025 | 4.57% | 2.51% | 2.28% | 5.82% | 2.07% |
| Q2 2025 | 4.73% | 2.61% | 2.42% | 5.85% | 2.20% |
| Q3 2025 | 4.87% | 2.46% | 2.63% | 5.98% | 2.30% |
| Q4 2025 | 4.62% | 2.22% | 2.63% | 5.96% | 2.49% |
| Q1 2026 | 4.69% | 1.99% | 2.86% | 5.74% | 2.67% |
| Q2 2026 | 4.79% | 1.99% | 2.97% | 5.87% | 2.83% |
Starion 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 Starion 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 Starion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33758) · FFIEC NIC profile (RSSD 2009605)