The First National Bank of Cokato: 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.
Yield on securities rose 0.51 percentage points from Q1 2026 to Q2 2026, ending at 2.38% against 1.87%. It was the largest change among the key lines on this page. Within Minnesota, The First National Bank of Cokato is 137th of 221 on net interest margin, 3.81% as of Q2 2026, below the middle of the field. The First National Bank of Cokato reported 3.81% on net interest margin for Q2 2026, 0.14 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.83% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $582K |
| Interest expense on deposits | $582K |
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 | 4.56% | 1.48% | 3.16% | 5.89% | 1.57% |
| Q4 2023 | 4.89% | 1.53% | 3.43% | 6.29% | 1.79% |
| Q1 2024 | 4.89% | 1.75% | 3.23% | 6.25% | 1.70% |
| Q2 2024 | 5.01% | 1.89% | 3.24% | 6.40% | 1.69% |
| Q3 2024 | 5.21% | 2.06% | 3.30% | 6.59% | 1.68% |
| Q4 2024 | 5.34% | 2.01% | 3.48% | 6.61% | 1.61% |
| Q1 2025 | 5.20% | 1.99% | 3.34% | 6.46% | 1.71% |
| Q2 2025 | 5.52% | 2.05% | 3.61% | 7.02% | 2.10% |
| Q3 2025 | 5.60% | 1.92% | 3.83% | 6.90% | 1.72% |
| Q4 2025 | 5.68% | 1.77% | 4.07% | 6.93% | 1.78% |
| Q1 2026 | 5.57% | 1.79% | 3.91% | 6.79% | 1.87% |
| Q2 2026 | 5.54% | 1.89% | 3.81% | 6.83% | 2.38% |
The First National Bank of Cokato yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Cokato, 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 The First National Bank of Cokato profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5115) · FFIEC NIC profile (RSSD 280558)