Falcon National Bank: 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, Net interest margin rose 0.32 percentage points in Q2 2026 to 4.65%, the biggest move on this page. Falcon National Bank ranks 31st of 221 Minnesota banks on net interest margin, in the upper half at 4.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Falcon National Bank sits 0.70 points higher, at 4.65% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.80% |
| Yield on loans | 7.34% |
| Yield on securities | 3.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.39% |
| Cost of interest-bearing deposits | 2.85% |
| Cost of interest-bearing liabilities | 2.85% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.65% |
| Yield to cost spread | 3.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.3M |
| Total interest expense | $4.6M |
| Interest expense on deposits | $4.6M |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 5.96% | 2.67% | 3.55% | 6.36% | 1.86% |
| Q4 2023 | 6.01% | 2.93% | 3.36% | 6.38% | 1.88% |
| Q1 2024 | 6.05% | 3.06% | 3.27% | 6.44% | 1.91% |
| Q2 2024 | 6.31% | 3.17% | 3.43% | 6.69% | 1.90% |
| Q3 2024 | 6.42% | 3.23% | 3.48% | 6.84% | 1.89% |
| Q4 2024 | 6.48% | 3.12% | 3.65% | 6.96% | 1.90% |
| Q1 2025 | 6.48% | 2.86% | 3.88% | 7.04% | 2.01% |
| Q2 2025 | 6.92% | 2.69% | 4.51% | 7.38% | 2.14% |
| Q3 2025 | 6.87% | 2.71% | 4.42% | 7.44% | 2.12% |
| Q4 2025 | 6.61% | 2.60% | 4.26% | 7.21% | 2.37% |
| Q1 2026 | 6.51% | 2.42% | 4.33% | 7.09% | 3.03% |
| Q2 2026 | 6.80% | 2.39% | 4.65% | 7.34% | 3.18% |
Falcon National Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Falcon National Bank, 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 Falcon National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57603) · FFIEC NIC profile (RSSD 3184228)