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 up by 0.16 percentage points, from 7.08% to 7.24%, the largest move among the key lines here. State Bank ranks 9th of 24 Wyoming banks on net interest margin, in the upper half at 4.33% (Q2 2026). State Bank reported 4.33% on net interest margin for Q2 2026, 0.39 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.70% |
| Yield on loans | 7.24% |
| Yield on securities | 3.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.51% |
| Cost of interest-bearing deposits | 3.05% |
| Cost of interest-bearing liabilities | 3.05% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $641K |
| Interest expense on deposits | $641K |
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 | 5.06% | 0.97% | 4.16% | 5.57% | 1.89% |
| Q4 2023 | 5.81% | 1.60% | 4.37% | 6.35% | 2.07% |
| Q1 2024 | 5.93% | 1.96% | 4.22% | 6.40% | 2.53% |
| Q2 2024 | 6.24% | 2.40% | 4.10% | 6.79% | 2.30% |
| Q3 2024 | 6.46% | 2.50% | 4.19% | 6.94% | 2.95% |
| Q4 2024 | 6.47% | 2.53% | 4.13% | 7.02% | 2.12% |
| Q1 2025 | 6.59% | 2.42% | 4.32% | 7.04% | 2.89% |
| Q2 2025 | 6.68% | 2.44% | 4.36% | 7.21% | 3.14% |
| Q3 2025 | 6.90% | 2.36% | 4.68% | 7.47% | 3.72% |
| Q4 2025 | 6.85% | 2.46% | 4.57% | 7.31% | 3.67% |
| Q1 2026 | 6.58% | 2.42% | 4.32% | 7.08% | 3.66% |
| Q2 2026 | 6.70% | 2.51% | 4.33% | 7.24% | 3.73% |
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 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34441) · FFIEC NIC profile (RSSD 2602828)