State Bank & Trust of Kenmare: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 2.87%. State Bank & Trust of Kenmare has the 2nd lowest net interest margin of the 60 banks headquartered in North Dakota, at 2.87% as of Q2 2026. State Bank & Trust of Kenmare reported 2.87% on net interest margin for Q2 2026, 1.08 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.58% |
| Yield on loans | 6.15% |
| Yield on securities | 3.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 2.30% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.87% |
| Yield to cost spread | 2.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $833K |
| Interest expense on deposits | $818K |
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 | 4.14% | 1.66% | 2.38% | 5.70% | 2.52% |
| Q4 2023 | 4.26% | 1.92% | 2.17% | 5.83% | 2.26% |
| Q1 2024 | 4.65% | 2.28% | 2.46% | 5.95% | 2.86% |
| Q2 2024 | 4.71% | 2.45% | 2.34% | 5.97% | 2.83% |
| Q3 2024 | 4.94% | 2.56% | 2.48% | 6.17% | 3.11% |
| Q4 2024 | 4.56% | 2.59% | 2.09% | 6.19% | 2.38% |
| Q1 2025 | 4.61% | 2.13% | 2.57% | 5.99% | 3.01% |
| Q2 2025 | 4.77% | 2.09% | 2.77% | 6.15% | 3.07% |
| Q3 2025 | 4.95% | 2.15% | 2.91% | 6.44% | 3.14% |
| Q4 2025 | 4.76% | 2.09% | 2.79% | 6.34% | 3.11% |
| Q1 2026 | 4.53% | 1.86% | 2.76% | 6.07% | 3.14% |
| Q2 2026 | 4.58% | 1.80% | 2.87% | 6.15% | 3.24% |
State Bank & Trust of Kenmare 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 & Trust of Kenmare, 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 & Trust of Kenmare profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2057) · FFIEC NIC profile (RSSD 675659)