Commercial Bank of Mott: 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 3.01% to 3.13%, the largest move among the key lines here. Within North Dakota, Commercial Bank of Mott is 52nd of 60 on net interest margin, 3.13% 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. Commercial Bank of Mott sits 0.82 points lower, at 3.13% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.20% |
| Yield on loans | 6.00% |
| Yield on securities | 2.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.29% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.13% |
| Yield to cost spread | 2.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $717K |
| Interest expense on deposits | $717K |
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 | 4.79% | 2.11% | 2.92% | 5.59% | 1.81% |
| Q4 2023 | 4.67% | 2.38% | 2.59% | 5.52% | 1.81% |
| Q1 2024 | 4.54% | 2.28% | 2.58% | 5.52% | 1.22% |
| Q2 2024 | 5.01% | 2.52% | 2.86% | 5.69% | 2.51% |
| Q3 2024 | 5.20% | 2.94% | 2.50% | 6.15% | 1.90% |
| Q4 2024 | 5.36% | 2.80% | 2.78% | 6.25% | 2.21% |
| Q1 2025 | 5.36% | 2.46% | 3.12% | 6.14% | 2.43% |
| Q2 2025 | 5.53% | 2.41% | 3.32% | 6.27% | 2.51% |
| Q3 2025 | 5.21% | 2.62% | 2.90% | 5.91% | 2.54% |
| Q4 2025 | 5.44% | 2.59% | 3.08% | 6.20% | 2.52% |
| Q1 2026 | 5.08% | 2.30% | 3.01% | 5.90% | 2.58% |
| Q2 2026 | 5.20% | 2.29% | 3.13% | 6.00% | 2.64% |
Commercial Bank of Mott yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank of Mott, 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 Commercial Bank of Mott profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15741) · FFIEC NIC profile (RSSD 1008553)