Community Bank Mankato: 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.
Cost of borrowings rose 0.31 percentage points from Q2 2026 to Q3 2026, ending at 3.82% against 3.51%. It was the largest change among the key lines on this page. Within Minnesota, Community Bank Mankato is 157th of 221 on net interest margin, 3.69% as of Q3 2026, below the middle of the field. Community Bank Mankato reported 3.69% on net interest margin for Q3 2026, 0.26 points below the 3.95% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.73% |
| Yield on loans | 5.90% |
| Yield on securities | 4.76% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.66% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.69% |
| Yield to cost spread | 3.07% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $6.9M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.6M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 5.12% | 2.66% | 2.51% | 5.25% | 2.44% |
| Q1 2024 | 5.27% | 2.83% | 2.53% | 5.39% | 3.12% |
| Q2 2024 | 5.16% | 2.94% | 2.34% | 5.24% | 3.41% |
| Q3 2024 | 5.43% | 2.86% | 2.63% | 5.49% | 3.27% |
| Q4 2024 | 5.47% | 2.80% | 2.78% | 5.52% | 3.66% |
| Q1 2025 | 5.37% | 2.59% | 2.87% | 5.40% | 4.09% |
| Q2 2025 | 5.50% | 2.49% | 3.13% | 5.56% | 4.74% |
| Q3 2025 | 5.54% | 2.54% | 3.14% | 5.66% | 4.78% |
| Q4 2025 | 5.64% | 2.41% | 3.35% | 5.79% | 4.62% |
| Q1 2026 | 5.47% | 2.28% | 3.33% | 5.61% | 4.54% |
| Q2 2026 | 5.65% | 2.24% | 3.61% | 5.78% | 4.50% |
| Q3 2026 | 5.73% | 2.22% | 3.69% | 5.90% | 4.76% |
Community Bank Mankato yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank Mankato, 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 Community Bank Mankato profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9760) · FFIEC NIC profile (RSSD 835257)