United Bankers' 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, Total interest expense fell 6.0% in Q2 2026 to $5.0M, the biggest move on this page. Within Minnesota, United Bankers' Bank is 183rd of 221 on net interest margin, 3.40% as of Q2 2026, below the middle of the field. United Bankers' Bank reported 3.40% on net interest margin for Q2 2026, 0.31 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 6.06% |
| Yield on securities | 1.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 3.91% |
| Cost of interest-bearing liabilities | 3.67% |
| Cost of borrowings | 3.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.40% |
| Yield to cost spread | 1.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.9M |
| Total interest expense | $5.0M |
| Interest expense on deposits | $2.9M |
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 | 4.51% | 3.16% | 1.68% | 5.22% | 1.17% |
| Q4 2023 | 4.61% | 3.20% | 1.80% | 5.22% | 1.19% |
| Q1 2024 | 4.64% | 3.30% | 1.65% | 5.28% | 1.27% |
| Q2 2024 | 4.89% | 3.40% | 1.81% | 5.40% | 1.26% |
| Q3 2024 | 4.88% | 3.54% | 1.75% | 5.49% | 1.27% |
| Q4 2024 | 4.94% | 3.05% | 2.23% | 5.71% | 1.32% |
| Q1 2025 | 4.91% | 2.77% | 2.45% | 5.57% | 1.50% |
| Q2 2025 | 5.26% | 2.79% | 2.81% | 5.81% | 1.59% |
| Q3 2025 | 5.32% | 2.84% | 2.85% | 5.96% | 1.60% |
| Q4 2025 | 5.37% | 2.57% | 3.11% | 6.06% | 1.61% |
| Q1 2026 | 5.19% | 2.31% | 3.15% | 5.92% | 1.67% |
| Q2 2026 | 5.39% | 2.28% | 3.40% | 6.06% | 1.60% |
United Bankers' 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 United Bankers' 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 United Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22180) · FFIEC NIC profile (RSSD 930358)