United Prairie 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.
Net interest margin rose 0.18 percentage points from Q1 2026 to Q2 2026, ending at 4.18% against 4.00%. It was the largest change among the key lines on this page. Within Minnesota, United Prairie Bank is 91st of 221 on net interest margin, 4.18% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. United Prairie Bank sits 0.23 points higher, at 4.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 6.45% |
| Yield on securities | 3.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | 4.15% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.7M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $4.0M |
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 | 4.99% | 1.70% | 3.42% | 5.36% | 2.70% |
| Q4 2023 | 5.21% | 1.97% | 3.38% | 5.60% | 2.74% |
| Q1 2024 | 5.27% | 2.07% | 3.35% | 5.64% | 2.80% |
| Q2 2024 | 5.54% | 2.38% | 3.33% | 5.90% | 2.81% |
| Q3 2024 | 5.54% | 2.51% | 3.21% | 5.91% | 2.93% |
| Q4 2024 | 5.52% | 2.45% | 3.24% | 5.89% | 3.01% |
| Q1 2025 | 5.46% | 2.32% | 3.30% | 5.87% | 3.16% |
| Q2 2025 | 5.75% | 2.31% | 3.59% | 6.08% | 3.28% |
| Q3 2025 | 5.88% | 2.37% | 3.67% | 6.24% | 3.73% |
| Q4 2025 | 6.16% | 2.25% | 4.07% | 6.56% | 3.82% |
| Q1 2026 | 5.93% | 2.08% | 4.00% | 6.36% | 3.85% |
| Q2 2026 | 6.08% | 2.05% | 4.18% | 6.45% | 3.86% |
United Prairie 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 Prairie 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 Prairie Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10958) · FFIEC NIC profile (RSSD 712059)