Sunrise Bank Dakota: 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.
In Q2 2026, Yield to cost spread edged down by 0.21 percentage points, from 2.26% to 2.05%, the largest move among the key lines here. On net interest margin, Sunrise Bank Dakota is 5th from the bottom among 56 South Dakota banks, 2.92% (Q2 2026). Sunrise Bank Dakota reported 2.92% on net interest margin for Q2 2026, 0.97 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.33% |
| Yield on loans | 6.29% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.92% |
| Yield to cost spread | 2.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $337K |
| Total interest expense | $204K |
| Interest expense on deposits | $204K |
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 | 3.77% | 1.58% | 2.01% | 5.72% | 2.32% |
| Q4 2023 | 3.91% | 1.88% | 1.98% | 5.94% | 2.21% |
| Q1 2024 | 4.01% | 1.83% | 2.14% | 5.80% | 2.40% |
| Q2 2024 | 4.47% | 1.92% | 2.53% | 6.03% | 3.01% |
| Q3 2024 | 4.70% | 1.86% | 2.86% | 6.27% | 3.60% |
| Q4 2024 | 4.71% | 1.83% | 2.91% | 6.21% | 3.58% |
| Q1 2025 | 4.72% | 1.73% | 3.05% | 6.01% | 3.95% |
| Q2 2025 | 4.63% | 1.89% | 2.91% | 6.22% | 3.53% |
| Q3 2025 | 4.51% | 1.99% | 2.74% | 6.34% | 3.16% |
| Q4 2025 | 4.49% | 1.85% | 2.83% | 6.38% | 3.12% |
| Q1 2026 | 4.39% | 1.54% | 3.01% | 6.22% | 3.08% |
| Q2 2026 | 4.33% | 1.60% | 2.92% | 6.29% | 2.94% |
Sunrise Bank Dakota yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunrise Bank Dakota, 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 Sunrise Bank Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15847) · FFIEC NIC profile (RSSD 354253)