Visionbank: 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 climbed 0.55 percentage points in Q2 2026, from 3.37% to 3.92%. It was the largest change from Q1 2026 among the key lines here. Visionbank ranks 119th of 221 Minnesota banks on net interest margin, in the lower half at 3.92% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; Visionbank reported 3.92% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.94% |
| Yield on loans | 7.21% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.36% |
| Cost of interest-bearing deposits | 3.52% |
| Cost of interest-bearing liabilities | 3.49% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.5M |
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 |
|---|---|---|---|---|
| Q3 2023 | 6.55% | 2.84% | 4.02% | 6.75% |
| Q4 2023 | 6.97% | 2.59% | 4.63% | 7.07% |
| Q1 2024 | 6.92% | 3.21% | 4.01% | 7.11% |
| Q2 2024 | 6.43% | 3.31% | 3.41% | 6.53% |
| Q3 2024 | 6.72% | 3.55% | 3.48% | 6.90% |
| Q4 2024 | 6.44% | 3.35% | 3.38% | 6.56% |
| Q1 2025 | 6.78% | 3.31% | 3.78% | 7.06% |
| Q2 2025 | 6.77% | 3.45% | 3.64% | 7.00% |
| Q3 2025 | 6.99% | 3.59% | 3.73% | 7.46% |
| Q4 2025 | 7.62% | 3.55% | 4.41% | 8.13% |
| Q1 2026 | 6.55% | 3.53% | 3.37% | 6.88% |
| Q2 2026 | 6.94% | 3.36% | 3.92% | 7.21% |
Visionbank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Visionbank, 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 Visionbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58063) · FFIEC NIC profile (RSSD 3357077)