Unison 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.
Compared with Q1 2026, Cost of borrowings fell 0.62 percentage points in Q2 2026 to 3.09%, the biggest move on this page. Within North Dakota, Unison Bank is 21st of 60 on net interest margin, 4.02% as of Q2 2026. At 4.02%, Unison Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.76% |
| Yield on loans | 6.62% |
| Yield on securities | 2.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | 3.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.3M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.3M |
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 | 5.01% | 1.89% | 3.23% | 5.84% | 2.80% |
| Q4 2023 | 5.15% | 2.23% | 3.07% | 6.00% | 2.78% |
| Q1 2024 | 5.15% | 2.27% | 3.01% | 6.06% | 2.77% |
| Q2 2024 | 5.25% | 2.39% | 3.06% | 6.06% | 2.78% |
| Q3 2024 | 5.27% | 2.43% | 3.10% | 6.36% | 2.80% |
| Q4 2024 | 5.57% | 2.39% | 3.33% | 6.56% | 2.80% |
| Q1 2025 | 5.40% | 2.19% | 3.34% | 6.27% | 2.82% |
| Q2 2025 | 5.75% | 2.20% | 3.69% | 6.63% | 2.84% |
| Q3 2025 | 5.77% | 2.23% | 3.70% | 6.66% | 2.84% |
| Q4 2025 | 5.64% | 2.16% | 3.63% | 6.56% | 2.83% |
| Q1 2026 | 5.57% | 1.97% | 3.72% | 6.50% | 2.86% |
| Q2 2026 | 5.76% | 1.90% | 4.02% | 6.62% | 2.84% |
Unison 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 Unison 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 Unison Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19396) · FFIEC NIC profile (RSSD 676151)