F & M Community Bank, N.A.: 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 biggest quarter-over-quarter change on this page was a small one: Yield on loans edged up 0.20 percentage points between Q1 2026 and Q2 2026, to 5.89%. F & M Community Bank, N.A. ranks 146th of 221 Minnesota banks on net interest margin, in the lower half at 3.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. F & M Community Bank, N.A. sits 0.19 points lower, at 3.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | 5.89% |
| Yield on securities | 2.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.45% |
| Cost of interest-bearing deposits | 1.66% |
| Cost of interest-bearing liabilities | 1.83% |
| Cost of borrowings | 4.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $696K |
| Interest expense on deposits | $587K |
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 | 4.38% | 1.38% | 3.04% | 5.19% | 2.16% |
| Q4 2023 | 4.44% | 1.62% | 2.86% | 5.21% | 2.21% |
| Q1 2024 | 4.53% | 1.71% | 2.86% | 5.28% | 2.16% |
| Q2 2024 | 4.65% | 1.81% | 2.90% | 5.43% | 2.18% |
| Q3 2024 | 4.70% | 1.79% | 2.97% | 5.50% | 2.14% |
| Q4 2024 | 4.79% | 1.69% | 3.14% | 5.59% | 2.20% |
| Q1 2025 | 4.77% | 1.59% | 3.23% | 5.50% | 2.24% |
| Q2 2025 | 5.03% | 1.54% | 3.55% | 5.82% | 2.27% |
| Q3 2025 | 5.00% | 1.53% | 3.52% | 5.74% | 2.30% |
| Q4 2025 | 5.07% | 1.50% | 3.63% | 5.79% | 2.37% |
| Q1 2026 | 5.03% | 1.42% | 3.66% | 5.69% | 2.38% |
| Q2 2026 | 5.15% | 1.45% | 3.76% | 5.89% | 2.36% |
F & M Community Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock F & M Community Bank, N.A., 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 F & M Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10967) · FFIEC NIC profile (RSSD 171759)