First International Bank and Trust: 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 0.22 percentage points from Q1 2026 to Q2 2026, ending at 4.20% against 3.98%. It was the largest change among the key lines on this page. Within North Dakota, First International Bank and Trust is 16th of 60 on net interest margin, 4.20% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First International Bank and Trust sits 0.49 points higher, at 4.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 6.55% |
| Yield on securities | 3.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.47% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.20% |
| Yield to cost spread | 3.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $80.1M |
| Total interest expense | $26.6M |
| Interest expense on deposits | $25.2M |
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 | 5.64% | 2.10% | 3.74% | 6.19% | 2.07% |
| Q4 2023 | 5.91% | 2.21% | 3.82% | 6.35% | 2.42% |
| Q1 2024 | 5.91% | 2.27% | 3.74% | 6.38% | 2.39% |
| Q2 2024 | 6.06% | 2.37% | 3.80% | 6.54% | 2.51% |
| Q3 2024 | 6.12% | 2.37% | 3.88% | 6.59% | 2.61% |
| Q4 2024 | 6.07% | 2.04% | 4.12% | 6.60% | 2.69% |
| Q1 2025 | 5.89% | 1.97% | 4.02% | 6.39% | 2.89% |
| Q2 2025 | 5.94% | 2.02% | 4.07% | 6.46% | 2.80% |
| Q3 2025 | 6.07% | 2.08% | 4.14% | 6.61% | 2.80% |
| Q4 2025 | 6.01% | 1.94% | 4.15% | 6.52% | 2.88% |
| Q1 2026 | 5.79% | 1.87% | 3.98% | 6.30% | 2.91% |
| Q2 2026 | 6.02% | 1.95% | 4.20% | 6.55% | 3.00% |
First International Bank and Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First International Bank and Trust, 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 First International Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10248) · FFIEC NIC profile (RSSD 236153)