State Bank of Chandler: 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.
Cost of borrowings dropped 34.04 percentage points in Q2 2026, from 34.04% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, State Bank of Chandler is 103rd of 221 on net interest margin, 4.08% as of Q2 2026, above the middle of the field. State Bank of Chandler reported 4.08% on net interest margin for Q2 2026, 0.19 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | 7.05% |
| Yield on securities | 2.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $827K |
| Total interest expense | $293K |
| Interest expense on deposits | $293K |
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 | 5.22% | 2.26% | 3.35% | 6.70% | 1.34% |
| Q4 2023 | 5.28% | 2.44% | 3.17% | 6.73% | 1.37% |
| Q1 2024 | 5.64% | 2.35% | 3.53% | 7.15% | 1.35% |
| Q2 2024 | 5.69% | 2.47% | 3.51% | 7.16% | 1.30% |
| Q3 2024 | 5.83% | 2.78% | 3.41% | 7.33% | 1.34% |
| Q4 2024 | 5.90% | 2.39% | 3.73% | 7.41% | 1.33% |
| Q1 2025 | 5.79% | 2.21% | 3.78% | 7.22% | 1.51% |
| Q2 2025 | 5.95% | 2.28% | 3.90% | 7.28% | 1.83% |
| Q3 2025 | 5.83% | 2.24% | 3.83% | 7.08% | 1.96% |
| Q4 2025 | 5.95% | 2.15% | 4.05% | 7.23% | 2.03% |
| Q1 2026 | 5.78% | 1.99% | 3.99% | 6.98% | 2.00% |
| Q2 2026 | 5.82% | 1.95% | 4.08% | 7.05% | 2.06% |
State Bank of Chandler 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 Chandler, 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 Chandler profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8858) · FFIEC NIC profile (RSSD 112556)