Community Bank Owatonna: 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.
Net interest margin rose 0.25 percentage points from Q1 2026 to Q2 2026, ending at 3.72% against 3.47%. It was the largest change among the key lines on this page. Community Bank Owatonna ranks 152nd of 221 Minnesota banks on net interest margin, in the lower half at 3.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Community Bank Owatonna sits 0.23 points lower, at 3.72% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.87% |
| Yield on loans | 6.94% |
| Yield on securities | 2.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 2.72% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $521K |
| Interest expense on deposits | $519K |
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 | 4.44% | 1.87% | 2.62% | 5.42% | 2.04% |
| Q4 2023 | 4.58% | 2.05% | 2.59% | 5.61% | 2.05% |
| Q1 2024 | 4.64% | 2.24% | 2.40% | 5.61% | 2.05% |
| Q2 2024 | 4.70% | 2.46% | 2.32% | 5.66% | 2.08% |
| Q3 2024 | 5.06% | 2.51% | 2.63% | 6.16% | 2.09% |
| Q4 2024 | 5.03% | 2.61% | 2.55% | 6.12% | 2.11% |
| Q1 2025 | 5.12% | 2.39% | 2.79% | 6.20% | 2.26% |
| Q2 2025 | 5.37% | 2.36% | 3.07% | 6.52% | 2.27% |
| Q3 2025 | 5.18% | 2.38% | 2.99% | 6.56% | 2.35% |
| Q4 2025 | 5.75% | 2.32% | 3.53% | 6.88% | 2.39% |
| Q1 2026 | 5.63% | 2.24% | 3.47% | 6.63% | 2.24% |
| Q2 2026 | 5.87% | 2.22% | 3.72% | 6.94% | 2.27% |
Community Bank Owatonna 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 Owatonna, 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 Owatonna profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57468) · FFIEC NIC profile (RSSD 3139321)