State Bank of New Richland: 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 largest change between Q1 2026 and Q2 2026 was in Cost of interest-bearing deposits, which fell 0.28 percentage points to 2.85%. State Bank of New Richland ranks 175th of 221 Minnesota banks on net interest margin, in the lower half at 3.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. State Bank of New Richland sits 0.47 points lower, at 3.48% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | 6.18% |
| Yield on securities | 4.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.53% |
| Cost of interest-bearing deposits | 2.85% |
| Cost of interest-bearing liabilities | 3.27% |
| Cost of borrowings | 2.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.48% |
| Yield to cost spread | 2.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $774K |
| Interest expense on deposits | $450K |
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 | 5.33% | 2.14% | 3.08% | 5.66% | 3.51% |
| Q4 2023 | 5.45% | 2.36% | 2.84% | 5.77% | 3.51% |
| Q1 2024 | 5.61% | 2.47% | 3.11% | 5.91% | 3.55% |
| Q2 2024 | 5.89% | 2.53% | 3.18% | 6.24% | 3.68% |
| Q3 2024 | 5.92% | 2.78% | 2.86% | 6.24% | 3.71% |
| Q4 2024 | 5.97% | 2.74% | 3.01% | 6.26% | 3.78% |
| Q1 2025 | 5.90% | 2.61% | 3.09% | 6.08% | 3.87% |
| Q2 2025 | 6.10% | 2.72% | 3.31% | 6.38% | 3.86% |
| Q3 2025 | 6.05% | 2.67% | 3.32% | 6.25% | 3.99% |
| Q4 2025 | 6.07% | 2.68% | 3.45% | 6.22% | 3.89% |
| Q1 2026 | 5.96% | 2.53% | 3.48% | 6.14% | 3.92% |
| Q2 2026 | 5.99% | 2.53% | 3.48% | 6.18% | 4.05% |
State Bank of New Richland 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 New Richland, 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 New Richland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9735) · FFIEC NIC profile (RSSD 874452)