The First National Bank of Le Center: 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.
Cost of borrowings rose 0.26 percentage points from Q1 2026 to Q2 2026, ending at 3.75% against 3.49%. It was the largest change among the key lines on this page. Within Minnesota, The First National Bank of Le Center is 137th of 221 on net interest margin, 3.81% 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. The First National Bank of Le Center sits 0.14 points lower, at 3.81% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.09% |
| Yield on loans | 6.89% |
| Yield on securities | 2.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $934K |
| Interest expense on deposits | $770K |
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 | 4.93% | 1.88% | 3.12% | 6.12% | 1.93% |
| Q4 2023 | 4.63% | 1.68% | 2.98% | 6.03% | 0.73% |
| Q1 2024 | 5.07% | 2.08% | 2.90% | 6.16% | 1.57% |
| Q2 2024 | 5.37% | 2.38% | 3.06% | 6.49% | 1.81% |
| Q3 2024 | 5.60% | 2.53% | 3.11% | 6.68% | 1.88% |
| Q4 2024 | 5.66% | 2.50% | 3.25% | 6.72% | 1.95% |
| Q1 2025 | 5.62% | 2.38% | 3.32% | 6.62% | 1.96% |
| Q2 2025 | 5.81% | 2.42% | 3.46% | 6.78% | 2.08% |
| Q3 2025 | 5.98% | 2.50% | 3.57% | 6.86% | 2.29% |
| Q4 2025 | 5.85% | 2.38% | 3.58% | 6.82% | 2.65% |
| Q1 2026 | 5.97% | 2.30% | 3.72% | 6.73% | 2.81% |
| Q2 2026 | 6.09% | 2.37% | 3.81% | 6.89% | 2.87% |
The First National Bank of Le Center 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 Le Center, 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 Le Center profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5180) · FFIEC NIC profile (RSSD 986551)