State Bank of Eagle Butte: 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 standout move of Q2 2026 was in Yield on loans: 0.84 percentage points higher than in Q1 2026, at 12.00%. Within South Dakota, State Bank of Eagle Butte is 7th of 56 on net interest margin, 6.11% as of Q2 2026. Against a median of 3.88% for banks in the < $100M asset tier, State Bank of Eagle Butte reported 6.11% on net interest margin in Q2 2026, 2.24 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.80% |
| Yield on loans | 12.00% |
| Yield on securities | 3.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.77% |
| Cost of interest-bearing deposits | 1.05% |
| Cost of interest-bearing liabilities | 1.05% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.11% |
| Yield to cost spread | 5.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $930K |
| Total interest expense | $136K |
| Interest expense on deposits | $136K |
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 | 5.60% | 0.27% | 5.37% | 10.18% | 1.95% |
| Q4 2023 | 6.42% | 0.68% | 5.79% | 10.24% | 3.27% |
| Q1 2024 | 6.35% | 0.73% | 5.66% | 10.48% | 1.99% |
| Q2 2024 | 6.75% | 0.65% | 6.14% | 10.49% | 1.50% |
| Q3 2024 | 6.71% | 0.58% | 6.18% | 10.50% | 3.24% |
| Q4 2024 | 6.40% | 0.56% | 5.89% | 10.99% | 2.85% |
| Q1 2025 | 6.66% | 0.59% | 6.11% | 11.84% | 3.14% |
| Q2 2025 | 6.28% | 0.61% | 5.73% | 10.40% | 3.40% |
| Q3 2025 | 6.39% | 0.67% | 5.79% | 10.48% | 3.28% |
| Q4 2025 | 6.06% | 0.61% | 5.53% | 10.55% | 3.20% |
| Q1 2026 | 6.35% | 0.66% | 5.74% | 11.16% | 3.43% |
| Q2 2026 | 6.80% | 0.77% | 6.11% | 12.00% | 3.43% |
State Bank of Eagle Butte 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 Eagle Butte, 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 Eagle Butte profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18145) · FFIEC NIC profile (RSSD 403656)