First National Bank and Trust Company of Bottineau: 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: Net interest margin edged up 0.07 percentage points between Q1 2026 and Q2 2026, to 3.76%. Within North Dakota, First National Bank and Trust Company of Bottineau is 35th of 60 on net interest margin, 3.76% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bank and Trust Company of Bottineau sits 0.19 points lower, at 3.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.07% |
| Yield on loans | 6.57% |
| Yield on securities | 3.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.51% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $584K |
| Interest expense on deposits | $584K |
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 | 4.54% | 1.03% | 3.61% | 6.02% | 3.03% |
| Q4 2023 | 4.74% | 1.32% | 3.54% | 6.40% | 3.02% |
| Q1 2024 | 4.73% | 1.36% | 3.50% | 6.09% | 3.38% |
| Q2 2024 | 5.00% | 1.45% | 3.73% | 6.25% | 3.61% |
| Q3 2024 | 5.11% | 1.56% | 3.75% | 6.37% | 3.51% |
| Q4 2024 | 5.07% | 1.64% | 3.66% | 6.45% | 3.37% |
| Q1 2025 | 4.86% | 1.60% | 3.50% | 6.43% | 3.42% |
| Q2 2025 | 5.06% | 1.53% | 3.72% | 6.47% | 3.54% |
| Q3 2025 | 5.15% | 1.60% | 3.76% | 6.51% | 3.57% |
| Q4 2025 | 5.24% | 1.57% | 3.89% | 6.55% | 3.62% |
| Q1 2026 | 5.03% | 1.51% | 3.69% | 6.68% | 3.77% |
| Q2 2026 | 5.07% | 1.51% | 3.76% | 6.57% | 3.78% |
First National Bank and Trust Company of Bottineau 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 and Trust Company of Bottineau, 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 and Trust Company of Bottineau profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3902) · FFIEC NIC profile (RSSD 974558)