State Bank of Lakota: 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, Net interest margin edged up by 0.10 percentage points, from 3.65% to 3.75%, the largest move among the key lines here. State Bank of Lakota ranks 36th of 60 North Dakota banks on net interest margin, in the lower half at 3.75% (Q2 2026). State Bank of Lakota reported 3.75% on net interest margin for Q2 2026, 0.14 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.93% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 1.76% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.75% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $613K |
| Total interest expense | $192K |
| Interest expense on deposits | $192K |
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 | 4.80% | 0.74% | 4.09% |
| Q4 2023 | 4.93% | 0.82% | 4.18% |
| Q1 2024 | 4.87% | 1.17% | 3.80% |
| Q2 2024 | 4.98% | 1.32% | 3.75% |
| Q3 2024 | 5.28% | 1.53% | 3.87% |
| Q4 2024 | 5.23% | 1.72% | 3.67% |
| Q1 2025 | 5.05% | 1.63% | 3.51% |
| Q2 2025 | 5.11% | 1.59% | 3.64% |
| Q3 2025 | 5.23% | 1.59% | 3.77% |
| Q4 2025 | 5.20% | 1.46% | 3.87% |
| Q1 2026 | 4.90% | 1.32% | 3.65% |
| Q2 2026 | 4.93% | 1.29% | 3.75% |
State Bank of Lakota 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 Lakota, 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 Lakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16477) · FFIEC NIC profile (RSSD 678258)