Sunrise Banks, N.A.: 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.
Total interest expense dropped 7.7% in Q2 2026, from $4.1M to $3.8M. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Sunrise Banks, N.A. is 18th of 56 on net interest margin, 4.38% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Sunrise Banks, N.A. sits 0.67 points higher, at 4.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.95% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.62% |
| Cost of interest-bearing deposits | 1.72% |
| Cost of interest-bearing liabilities | 1.72% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $24.9M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.8M |
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 | 4.91% | 0.34% | 4.60% |
| Q4 2023 | 5.03% | 0.50% | 4.57% |
| Q1 2024 | 5.06% | 0.58% | 4.53% |
| Q2 2024 | 5.09% | 0.70% | 4.46% |
| Q3 2024 | 5.12% | 0.91% | 4.28% |
| Q4 2024 | 5.15% | 0.65% | 4.55% |
| Q1 2025 | 4.97% | 0.56% | 4.46% |
| Q2 2025 | 5.01% | 0.58% | 4.47% |
| Q3 2025 | 4.96% | 0.63% | 4.38% |
| Q4 2025 | 4.99% | 0.67% | 4.38% |
| Q1 2026 | 4.90% | 0.67% | 4.29% |
| Q2 2026 | 4.95% | 0.62% | 4.38% |
Sunrise Banks, N.A. 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 Banks, N.A., 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 Banks, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18561) · FFIEC NIC profile (RSSD 860053)