Vergas State 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, Net interest margin rose 0.21 percentage points in Q2 2026 to 4.45%, the biggest move on this page. Within Minnesota, Vergas State Bank is 56th of 221 on net interest margin, 4.45% as of Q2 2026, above the middle of the field. Vergas State Bank reported 4.45% on net interest margin for Q2 2026, 0.56 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.79% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 2.02% |
| Cost of interest-bearing liabilities | 2.02% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.45% |
| Yield to cost spread | 3.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $639K |
| Total interest expense | $192K |
| Interest expense on deposits | $192K |
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 |
|---|---|---|---|
| Q3 2023 | 3.59% | 0.88% | 2.82% |
| Q4 2023 | 3.77% | 1.03% | 2.88% |
| Q1 2024 | 3.95% | 1.17% | 2.95% |
| Q2 2024 | 4.28% | 1.35% | 3.10% |
| Q3 2024 | 4.59% | 1.52% | 3.25% |
| Q4 2024 | 4.78% | 1.56% | 3.41% |
| Q1 2025 | 4.90% | 1.53% | 3.56% |
| Q2 2025 | 5.29% | 1.53% | 3.95% |
| Q3 2025 | 5.38% | 1.60% | 3.98% |
| Q4 2025 | 5.62% | 1.59% | 4.23% |
| Q1 2026 | 5.60% | 1.56% | 4.24% |
| Q2 2026 | 5.79% | 1.53% | 4.45% |
Vergas State 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 Vergas State 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 Vergas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9747) · FFIEC NIC profile (RSSD 804150)