Vantage 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.
The standout move of Q2 2026 was in Yield on securities: 8.51 percentage points lower than in Q1 2026, at 0.00%. Within Minnesota, Vantage Bank is 44th of 221 on net interest margin, 4.55% as of Q2 2026. Vantage Bank reported 4.55% on net interest margin for Q2 2026, 0.67 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.25% |
| Yield on loans | 6.27% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | 3.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.55% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $325K |
| Interest expense on deposits | $323K |
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 | 5.30% | 1.39% | 4.04% | 5.67% | 2.36% |
| Q4 2023 | 5.57% | 1.38% | 4.27% | 5.83% | 2.48% |
| Q1 2024 | 5.68% | 1.40% | 4.30% | 5.83% | 2.93% |
| Q2 2024 | 5.79% | 1.77% | 4.27% | 5.77% | 82.76% |
| Q3 2024 | 6.16% | 2.06% | 4.21% | 6.17% | 0.00% |
| Q4 2024 | 6.36% | 1.94% | 4.49% | 6.36% | 0.00% |
| Q1 2025 | 6.25% | 1.94% | 4.43% | 6.23% | 15.09% |
| Q2 2025 | 6.41% | 1.96% | 4.56% | 6.40% | 0.00% |
| Q3 2025 | 6.53% | 2.04% | 4.65% | 6.52% | 7.84% |
| Q4 2025 | 6.54% | 1.83% | 4.73% | 6.43% | 0.00% |
| Q1 2026 | 6.26% | 2.06% | 4.49% | 6.38% | 8.51% |
| Q2 2026 | 6.25% | 1.78% | 4.55% | 6.27% | 0.00% |
Vantage 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 Vantage 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 Vantage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9733) · FFIEC NIC profile (RSSD 58355)