State Bank of Bottineau: 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 fell 0.37 percentage points to 3.49%. State Bank of Bottineau ranks 19th of 60 North Dakota banks on net interest margin, in the upper half at 4.06% (Q2 2026). At 4.06%, State Bank of Bottineau's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.30% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.78% |
| Cost of interest-bearing liabilities | 2.86% |
| Cost of borrowings | 3.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $606K |
| Interest expense on deposits | $533K |
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 |
|---|---|---|---|
| Q3 2023 | 6.45% | 2.03% | 4.40% |
| Q4 2023 | 6.59% | 2.04% | 4.51% |
| Q1 2024 | 6.56% | 2.17% | 4.38% |
| Q2 2024 | 6.76% | 2.38% | 4.44% |
| Q3 2024 | 6.98% | 2.78% | 4.41% |
| Q4 2024 | 6.70% | 2.36% | 4.37% |
| Q1 2025 | 6.45% | 2.17% | 4.22% |
| Q2 2025 | 6.66% | 2.29% | 4.37% |
| Q3 2025 | 6.82% | 2.52% | 4.29% |
| Q4 2025 | 6.62% | 2.31% | 4.28% |
| Q1 2026 | 6.18% | 2.25% | 3.92% |
| Q2 2026 | 6.30% | 2.28% | 4.06% |
State Bank of Bottineau 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 of Bottineau, 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 of Bottineau profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9121) · FFIEC NIC profile (RSSD 1014554)