The First National Bank of McIntosh: 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.
In Q2 2026, Yield on loans edged down by 0.21 percentage points, from 6.42% to 6.21%, the largest move among the key lines here. The First National Bank of McIntosh has the 23rd lowest net interest margin of the 221 banks headquartered in Minnesota, at 3.12% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The First National Bank of McIntosh sits 0.77 points lower, at 3.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.68% |
| Yield on loans | 6.21% |
| Yield on securities | 3.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.12% |
| Yield to cost spread | 2.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $241K |
| Total interest expense | $182K |
| Interest expense on deposits | $182K |
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 | 4.65% | 1.89% | 3.15% | 5.59% | 1.22% |
| Q4 2023 | 5.04% | 2.03% | 3.48% | 5.73% | 1.12% |
| Q1 2024 | 4.83% | 2.29% | 3.01% | 5.98% | 0.98% |
| Q2 2024 | 5.70% | 2.37% | 3.83% | 5.99% | 4.61% |
| Q3 2024 | 5.65% | 2.44% | 3.74% | 6.36% | 5.06% |
| Q4 2024 | 5.53% | 2.35% | 3.70% | 6.23% | 4.91% |
| Q1 2025 | 5.19% | 2.28% | 3.40% | 6.06% | 4.56% |
| Q2 2025 | 5.05% | 2.24% | 3.28% | 6.33% | 4.15% |
| Q3 2025 | 5.13% | 2.18% | 3.41% | 6.62% | 4.12% |
| Q4 2025 | 5.00% | 2.11% | 3.32% | 6.54% | 4.12% |
| Q1 2026 | 4.71% | 1.92% | 3.19% | 6.42% | 4.07% |
| Q2 2026 | 4.68% | 1.97% | 3.12% | 6.21% | 3.96% |
The First National Bank of McIntosh 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 McIntosh, 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 McIntosh profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5196) · FFIEC NIC profile (RSSD 988256)