Strasburg State Bank: 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: Yield on securities edged up 0.20 percentage points between Q1 2026 and Q2 2026, to 4.33%. Strasburg State Bank ranks 53rd of 60 North Dakota banks on net interest margin, in the lower half at 3.09% (Q2 2026). Strasburg State Bank reported 3.09% on net interest margin for Q2 2026, 0.86 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.97% |
| Yield on loans | 6.20% |
| Yield on securities | 4.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.09% |
| Yield to cost spread | 2.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $694K |
| Total interest expense | $471K |
| Interest expense on deposits | $471K |
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 | 4.88% | 1.52% | 3.39% | 6.07% | 2.96% |
| Q4 2023 | 5.07% | 1.78% | 3.33% | 6.34% | 2.97% |
| Q1 2024 | 5.12% | 2.00% | 3.17% | 6.35% | 2.97% |
| Q2 2024 | 5.31% | 2.20% | 3.18% | 6.55% | 3.13% |
| Q3 2024 | 5.51% | 2.32% | 3.26% | 6.69% | 3.20% |
| Q4 2024 | 5.40% | 2.29% | 3.19% | 6.74% | 3.33% |
| Q1 2025 | 5.15% | 2.15% | 3.06% | 6.55% | 3.45% |
| Q2 2025 | 5.24% | 2.10% | 3.22% | 6.62% | 3.78% |
| Q3 2025 | 5.46% | 2.09% | 3.44% | 6.65% | 4.08% |
| Q4 2025 | 5.44% | 2.05% | 3.46% | 6.61% | 4.12% |
| Q1 2026 | 5.08% | 1.96% | 3.16% | 6.32% | 4.13% |
| Q2 2026 | 4.97% | 1.99% | 3.09% | 6.20% | 4.33% |
Strasburg State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Strasburg State Bank, 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 Strasburg State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17922) · FFIEC NIC profile (RSSD 890957)