Village 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.13 percentage points to 3.61%. Within Minnesota, Village Bank is 166th of 221 on net interest margin, 3.61% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Village Bank sits 0.34 points lower, at 3.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | 6.17% |
| Yield on securities | 2.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 2.06% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.4M |
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 | 4.33% | 1.14% | 3.24% | 5.67% | 1.73% |
| Q4 2023 | 4.46% | 1.27% | 3.25% | 5.78% | 1.74% |
| Q1 2024 | 4.50% | 1.53% | 3.03% | 5.71% | 1.77% |
| Q2 2024 | 4.49% | 1.64% | 2.93% | 5.68% | 1.70% |
| Q3 2024 | 4.70% | 1.72% | 3.07% | 5.95% | 1.67% |
| Q4 2024 | 4.67% | 1.60% | 3.16% | 5.88% | 1.68% |
| Q1 2025 | 4.68% | 1.51% | 3.24% | 5.86% | 1.66% |
| Q2 2025 | 5.08% | 1.57% | 3.59% | 6.31% | 1.72% |
| Q3 2025 | 5.04% | 1.59% | 3.53% | 6.21% | 1.99% |
| Q4 2025 | 5.09% | 1.65% | 3.53% | 6.20% | 2.39% |
| Q1 2026 | 5.05% | 1.64% | 3.48% | 6.03% | 2.42% |
| Q2 2026 | 5.19% | 1.66% | 3.61% | 6.17% | 2.44% |
Village 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 Village 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 Village Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33761) · FFIEC NIC profile (RSSD 2010722)