The First National Bank of Coleraine: 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 0.31 percentage points in Q2 2026 to 2.91%, the biggest move on this page. On net interest margin, The First National Bank of Coleraine is 13th from the bottom among 221 Minnesota banks, 2.91% (Q2 2026). The First National Bank of Coleraine reported 2.91% on net interest margin for Q2 2026, 1.04 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.34% |
| Yield on loans | 6.54% |
| Yield on securities | 2.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.91% |
| Yield to cost spread | 2.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $691K |
| Total interest expense | $377K |
| Interest expense on deposits | $377K |
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 | 3.25% | 0.93% | 2.34% | 5.40% | 1.77% |
| Q4 2023 | 3.29% | 1.09% | 2.22% | 5.53% | 1.79% |
| Q1 2024 | 3.38% | 1.18% | 2.23% | 5.55% | 1.84% |
| Q2 2024 | 3.44% | 1.40% | 2.08% | 5.60% | 1.83% |
| Q3 2024 | 3.60% | 1.37% | 2.28% | 5.83% | 1.84% |
| Q4 2024 | 3.70% | 1.37% | 2.36% | 5.89% | 1.95% |
| Q1 2025 | 3.66% | 1.49% | 2.24% | 5.80% | 1.92% |
| Q2 2025 | 3.91% | 1.46% | 2.48% | 6.09% | 2.05% |
| Q3 2025 | 3.96% | 1.53% | 2.48% | 6.26% | 2.14% |
| Q4 2025 | 4.06% | 1.54% | 2.57% | 6.37% | 2.29% |
| Q1 2026 | 4.02% | 1.48% | 2.60% | 6.30% | 2.32% |
| Q2 2026 | 4.34% | 1.48% | 2.91% | 6.54% | 2.66% |
The First National Bank of Coleraine 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 Coleraine, 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 Coleraine profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5117) · FFIEC NIC profile (RSSD 311658)