Center National 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 Cost of borrowings: 3.91 percentage points lower than in Q1 2026, at 0.00%. Center National Bank ranks 122nd of 221 Minnesota banks on net interest margin, in the lower half at 3.88% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Center National Bank reported 3.88% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.97% |
| Yield on loans | 6.12% |
| Yield on securities | 2.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.56% |
| Cost of interest-bearing liabilities | 1.56% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.88% |
| Yield to cost spread | 3.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $639K |
| Interest expense on deposits | $639K |
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 | 4.00% | 0.79% | 3.28% | 5.28% | 2.08% |
| Q4 2023 | 4.20% | 0.96% | 3.31% | 5.38% | 2.10% |
| Q1 2024 | 4.22% | 1.20% | 3.11% | 5.51% | 2.14% |
| Q2 2024 | 4.49% | 1.33% | 3.27% | 5.69% | 2.23% |
| Q3 2024 | 4.58% | 1.39% | 3.31% | 5.91% | 2.29% |
| Q4 2024 | 4.61% | 1.29% | 3.45% | 5.88% | 2.35% |
| Q1 2025 | 4.47% | 1.08% | 3.47% | 5.78% | 2.36% |
| Q2 2025 | 4.86% | 1.02% | 3.92% | 6.03% | 2.45% |
| Q3 2025 | 4.94% | 1.04% | 3.99% | 6.15% | 2.48% |
| Q4 2025 | 5.09% | 1.07% | 4.13% | 6.26% | 2.54% |
| Q1 2026 | 4.91% | 1.10% | 3.89% | 6.00% | 2.47% |
| Q2 2026 | 4.97% | 1.18% | 3.88% | 6.12% | 2.39% |
Center National 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 Center National 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 Center National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10976) · FFIEC NIC profile (RSSD 1017957)