The First National Bank of Fairfax: 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 0.28 percentage points from Q1 2026 to Q2 2026, ending at 3.98% against 3.70%. It was the largest change among the key lines on this page. Within Minnesota, The First National Bank of Fairfax is 113th of 221 on net interest margin, 3.98% as of Q2 2026, below the middle of the field. At 3.98%, The First National Bank of Fairfax's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.44% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.73% |
| Cost of interest-bearing deposits | 1.09% |
| Cost of interest-bearing liabilities | 1.09% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $140K |
| Total interest expense | $40K |
| Interest expense on deposits | $40K |
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 |
|---|---|---|---|
| Q3 2023 | 4.62% | 0.44% | 4.34% |
| Q4 2023 | 5.10% | 0.45% | 4.81% |
| Q1 2024 | 5.00% | 0.61% | 4.60% |
| Q2 2024 | 5.48% | 0.62% | 5.05% |
| Q3 2024 | 5.15% | 0.63% | 4.68% |
| Q4 2024 | 5.02% | 0.76% | 4.49% |
| Q1 2025 | 4.70% | 0.73% | 4.23% |
| Q2 2025 | 4.91% | 0.77% | 4.42% |
| Q3 2025 | 4.69% | 0.76% | 4.22% |
| Q4 2025 | 4.59% | 0.74% | 4.12% |
| Q1 2026 | 4.15% | 0.71% | 3.70% |
| Q2 2026 | 4.44% | 0.73% | 3.98% |
The First National Bank of Fairfax 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 Fairfax, 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 Fairfax profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5142) · FFIEC NIC profile (RSSD 938354)