The Wanda 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.
The biggest quarter-over-quarter change on this page was a small one: Yield to cost spread edged up 0.15 percentage points between Q1 2026 and Q2 2026, to 2.45%. Within Minnesota, The Wanda State Bank is 189th of 221 on net interest margin, 3.24% 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. The Wanda State Bank sits 0.71 points lower, at 3.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 6.26% |
| Yield on securities | 2.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.49% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.24% |
| Yield to cost spread | 2.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $934K |
| Interest expense on deposits | $934K |
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 | 4.08% | 1.46% | 2.68% | 5.09% | 1.93% |
| Q4 2023 | 4.28% | 1.64% | 2.72% | 5.36% | 2.00% |
| Q1 2024 | 4.39% | 1.92% | 2.56% | 5.52% | 1.95% |
| Q2 2024 | 4.57% | 2.16% | 2.52% | 5.74% | 1.97% |
| Q3 2024 | 4.63% | 2.23% | 2.54% | 5.92% | 1.94% |
| Q4 2024 | 4.52% | 2.08% | 2.64% | 5.97% | 1.67% |
| Q1 2025 | 4.47% | 1.88% | 2.77% | 5.89% | 1.67% |
| Q2 2025 | 5.11% | 1.88% | 3.36% | 6.56% | 1.98% |
| Q3 2025 | 5.27% | 1.93% | 3.47% | 6.81% | 1.99% |
| Q4 2025 | 5.03% | 1.91% | 3.24% | 6.46% | 2.12% |
| Q1 2026 | 4.88% | 1.82% | 3.17% | 6.19% | 2.13% |
| Q2 2026 | 4.94% | 1.83% | 3.24% | 6.26% | 2.22% |
The Wanda 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 The Wanda 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 The Wanda State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1908) · FFIEC NIC profile (RSSD 190956)