State Bank of Lake Park: 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, Cost of interest-bearing deposits edged up by 0.20 percentage points, from 2.03% to 2.23%, the largest move among the key lines here. State Bank of Lake Park ranks 141st of 221 Minnesota banks on net interest margin, in the lower half at 3.79% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin; State Bank of Lake Park reported 3.79% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.41% |
| Yield on loans | 7.07% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.76% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $458K |
| Total interest expense | $185K |
| Interest expense on deposits | $185K |
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 | 4.26% | 1.28% | 3.08% | 6.37% | 1.60% |
| Q4 2023 | 4.36% | 1.53% | 2.96% | 6.53% | 1.59% |
| Q1 2024 | 4.49% | 1.58% | 3.02% | 6.59% | 1.72% |
| Q2 2024 | 4.60% | 1.65% | 3.11% | 6.63% | 2.01% |
| Q3 2024 | 4.80% | 2.03% | 2.97% | 6.97% | 2.02% |
| Q4 2024 | 4.89% | 2.05% | 2.99% | 6.98% | 2.05% |
| Q1 2025 | 5.02% | 1.87% | 3.29% | 7.02% | 2.17% |
| Q2 2025 | 5.03% | 1.73% | 3.41% | 6.96% | 2.63% |
| Q3 2025 | 5.40% | 1.69% | 3.84% | 7.50% | 2.79% |
| Q4 2025 | 5.39% | 1.73% | 3.79% | 7.26% | 2.91% |
| Q1 2026 | 5.31% | 1.61% | 3.83% | 7.00% | 3.01% |
| Q2 2026 | 5.41% | 1.76% | 3.79% | 7.07% | 3.19% |
State Bank of Lake Park 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 Lake Park, 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 Lake Park profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9351) · FFIEC NIC profile (RSSD 912756)