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.
Compared with Q2 2026, Net interest margin fell 0.32 percentage points in Q3 2026 to 3.76%, the biggest move on this page. State Bank of Taunton ranks 145th of 221 Minnesota banks on net interest margin, in the lower half at 3.76% (Q3 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. State Bank of Taunton sits 0.13 points lower, at 3.76% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.56% |
| Yield on loans | 6.44% |
| Yield on securities | 1.75% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.00% |
| Cost of interest-bearing deposits | 0.89% |
| Cost of interest-bearing liabilities | 1.19% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $406K |
| Total interest expense | $94K |
| Interest expense on deposits | $60K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 5.68% | 1.21% | 4.67% | 7.27% | 2.14% |
| Q1 2024 | 4.32% | 1.46% | 3.34% | 4.97% | 2.18% |
| Q2 2024 | 5.53% | 1.34% | 4.45% | 6.96% | 2.31% |
| Q3 2024 | 5.74% | 1.51% | 4.52% | 7.24% | 2.41% |
| Q4 2024 | 5.60% | 1.50% | 4.40% | 7.03% | 2.22% |
| Q1 2025 | 5.63% | 1.48% | 4.43% | 7.07% | 2.00% |
| Q2 2025 | 5.66% | 1.34% | 4.57% | 7.12% | 2.02% |
| Q3 2025 | 5.64% | 1.30% | 4.61% | 7.34% | 2.02% |
| Q4 2025 | 4.89% | 1.26% | 3.87% | 6.88% | 1.35% |
| Q1 2026 | 4.63% | 1.04% | 3.68% | 6.38% | 2.24% |
| Q2 2026 | 4.86% | 0.89% | 4.08% | 6.81% | 2.12% |
| Q3 2026 | 4.56% | 1.00% | 3.76% | 6.44% | 1.75% |
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)