Valley Premier 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 3.59% to 3.71%, the largest move among the key lines here. Within Minnesota, Valley Premier Bank is 156th of 221 on net interest margin, 3.71% as of Q2 2026. Valley Premier Bank reported 3.71% on net interest margin for Q2 2026, 0.23 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.10% |
| Yield on loans | 6.55% |
| Yield on securities | 2.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $490K |
| Interest expense on deposits | $490K |
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 | 4.13% | 1.13% | 3.10% | 5.47% | 2.08% |
| Q4 2023 | 4.28% | 1.23% | 3.15% | 5.68% | 2.20% |
| Q1 2024 | 4.35% | 1.36% | 3.08% | 5.77% | 2.21% |
| Q2 2024 | 4.67% | 1.48% | 3.31% | 6.19% | 2.19% |
| Q3 2024 | 4.74% | 1.62% | 3.25% | 6.21% | 2.14% |
| Q4 2024 | 4.84% | 1.65% | 3.35% | 6.29% | 2.12% |
| Q1 2025 | 4.83% | 1.57% | 3.37% | 6.24% | 2.16% |
| Q2 2025 | 4.92% | 1.69% | 3.37% | 6.42% | 2.25% |
| Q3 2025 | 5.00% | 1.80% | 3.34% | 6.52% | 2.36% |
| Q4 2025 | 4.98% | 1.78% | 3.37% | 6.51% | 2.45% |
| Q1 2026 | 4.93% | 1.49% | 3.59% | 6.47% | 2.47% |
| Q2 2026 | 5.10% | 1.53% | 3.71% | 6.55% | 2.47% |
Valley Premier 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 Valley Premier 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 Valley Premier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11409) · FFIEC NIC profile (RSSD 1008955)