State Bank of Taunton: 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 Net interest margin: 0.40 percentage points higher than in Q1 2026, at 4.08%. State Bank of Taunton ranks 103rd of 221 Minnesota banks on net interest margin, in the upper half at 4.08% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. State Bank of Taunton sits 0.19 points higher, at 4.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.86% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 1.06% |
| Cost of interest-bearing liabilities | 1.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $447K |
| Total interest expense | $95K |
| Interest expense on deposits | $61K |
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 | 5.05% | 0.84% | 4.33% |
| Q4 2023 | 5.68% | 1.21% | 4.67% |
| Q1 2024 | 4.32% | 1.46% | 3.34% |
| Q2 2024 | 5.53% | 1.34% | 4.45% |
| Q3 2024 | 5.74% | 1.51% | 4.52% |
| Q4 2024 | 5.60% | 1.50% | 4.40% |
| Q1 2025 | 5.63% | 1.48% | 4.43% |
| Q2 2025 | 5.66% | 1.34% | 4.57% |
| Q3 2025 | 5.64% | 1.30% | 4.61% |
| Q4 2025 | 4.89% | 1.26% | 3.87% |
| Q1 2026 | 4.63% | 1.04% | 3.68% |
| Q2 2026 | 4.86% | 0.89% | 4.08% |
State Bank of Taunton 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 Taunton, 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 Taunton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16906) · FFIEC NIC profile (RSSD 205458)