The Citizens National Bank of Park Rapids: 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, Total interest expense rose 7.4% in Q2 2026 to $1.7M, the biggest move on this page. Within Minnesota, The Citizens National Bank of Park Rapids is 63rd of 221 on net interest margin, 4.39% as of Q2 2026, above the middle of the field. The Citizens National Bank of Park Rapids reported 4.39% on net interest margin for Q2 2026, 0.44 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.20% |
| Yield on loans | 6.87% |
| Yield on securities | 3.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.43% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 3.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 5.15% | 1.81% | 3.47% | 5.77% | 1.39% |
| Q4 2023 | 5.37% | 2.07% | 3.46% | 5.99% | 1.44% |
| Q1 2024 | 5.36% | 2.07% | 3.46% | 5.95% | 1.47% |
| Q2 2024 | 5.82% | 2.27% | 3.74% | 6.36% | 1.39% |
| Q3 2024 | 5.91% | 2.30% | 3.82% | 6.46% | 1.34% |
| Q4 2024 | 5.91% | 2.27% | 3.85% | 6.47% | 1.38% |
| Q1 2025 | 5.75% | 2.10% | 3.84% | 6.31% | 1.70% |
| Q2 2025 | 6.03% | 2.09% | 4.10% | 6.63% | 3.19% |
| Q3 2025 | 6.18% | 2.03% | 4.33% | 6.85% | 3.44% |
| Q4 2025 | 6.27% | 2.02% | 4.43% | 6.94% | 3.47% |
| Q1 2026 | 6.07% | 1.94% | 4.31% | 6.67% | 3.43% |
| Q2 2026 | 6.20% | 1.99% | 4.39% | 6.87% | 3.58% |
The Citizens National Bank of Park Rapids 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 Citizens National Bank of Park Rapids, 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 Citizens National Bank of Park Rapids profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5223) · FFIEC NIC profile (RSSD 877752)