State Bank of Easton: 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 Cost of borrowings: 10.30 percentage points higher than in Q1 2026, at 46.67%. Within Minnesota, State Bank of Easton is 106th of 221 on net interest margin, 4.05% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. State Bank of Easton sits 0.16 points higher, at 4.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.89% |
| Yield on loans | 6.73% |
| Yield on securities | 4.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | 46.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $325K |
| Total interest expense | $126K |
| Interest expense on deposits | $119K |
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 | 4.53% | 1.73% | 3.04% | 6.08% | 2.29% |
| Q4 2023 | 4.80% | 1.84% | 3.24% | 6.44% | 2.12% |
| Q1 2024 | 4.93% | 1.76% | 3.42% | 6.39% | 2.66% |
| Q2 2024 | 5.14% | 1.93% | 3.49% | 6.58% | 2.96% |
| Q3 2024 | 5.53% | 2.15% | 3.74% | 6.91% | 2.99% |
| Q4 2024 | 5.21% | 2.37% | 3.24% | 6.38% | 2.91% |
| Q1 2025 | 5.33% | 2.22% | 3.43% | 6.64% | 2.93% |
| Q2 2025 | 5.54% | 2.16% | 3.69% | 6.90% | 3.36% |
| Q3 2025 | 5.77% | 2.24% | 3.83% | 6.96% | 3.41% |
| Q4 2025 | 5.74% | 2.20% | 3.89% | 6.86% | 3.40% |
| Q1 2026 | 5.70% | 2.14% | 3.87% | 6.67% | 3.39% |
| Q2 2026 | 5.89% | 2.10% | 4.05% | 6.73% | 4.06% |
State Bank of Easton 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 Easton, 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 Easton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16561) · FFIEC NIC profile (RSSD 379050)