First 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 3.83% to 3.95%, the largest move among the key lines here. First National Bank ranks 117th of 221 Minnesota banks on net interest margin, in the lower half at 3.95% (Q2 2026). At 3.95%, First National Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.63% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $480K |
| Interest expense on deposits | $480K |
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 | 4.37% | 1.38% | 3.01% | 5.69% | 1.85% |
| Q4 2023 | 4.60% | 1.47% | 3.16% | 5.99% | 1.81% |
| Q1 2024 | 4.71% | 1.60% | 3.11% | 6.04% | 1.88% |
| Q2 2024 | 4.93% | 1.72% | 3.23% | 6.31% | 1.96% |
| Q3 2024 | 5.14% | 1.81% | 3.36% | 6.49% | 2.02% |
| Q4 2024 | 5.22% | 1.80% | 3.44% | 6.62% | 2.05% |
| Q1 2025 | 5.20% | 1.73% | 3.48% | 6.52% | 2.06% |
| Q2 2025 | 5.34% | 1.77% | 3.59% | 6.65% | 2.08% |
| Q3 2025 | 5.45% | 1.75% | 3.72% | 6.74% | 2.10% |
| Q4 2025 | 5.55% | 1.67% | 3.91% | 6.86% | 2.16% |
| Q1 2026 | 5.44% | 1.58% | 3.83% | 6.56% | 2.49% |
| Q2 2026 | 5.54% | 1.61% | 3.95% | 6.63% | 2.59% |
First 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 First 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 First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5087) · FFIEC NIC profile (RSSD 392255)