The First National Bank of Moose Lake: 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, Yield on loans rose 0.42 percentage points in Q2 2026 to 7.42%, the biggest move on this page. Within Minnesota, The First National Bank of Moose Lake is 36th of 221 on net interest margin, 4.61% as of Q2 2026, above the middle of the field. The First National Bank of Moose Lake reported 4.61% on net interest margin for Q2 2026, 0.66 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.17% |
| Yield on loans | 7.42% |
| Yield on securities | 2.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.25% |
| Cost of borrowings | 4.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.61% |
| Yield to cost spread | 3.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $528K |
| Interest expense on deposits | $495K |
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 | 5.11% | 1.66% | 3.63% | 5.99% | 2.71% |
| Q4 2023 | 5.38% | 1.89% | 3.67% | 6.06% | 2.75% |
| Q1 2024 | 5.08% | 1.95% | 3.38% | 6.11% | 2.27% |
| Q2 2024 | 5.24% | 2.05% | 3.46% | 6.32% | 2.22% |
| Q3 2024 | 5.56% | 2.07% | 3.76% | 6.74% | 2.27% |
| Q4 2024 | 5.87% | 2.09% | 4.05% | 7.15% | 2.28% |
| Q1 2025 | 5.63% | 1.98% | 3.91% | 6.60% | 2.14% |
| Q2 2025 | 5.83% | 1.99% | 4.11% | 6.98% | 2.12% |
| Q3 2025 | 5.93% | 1.97% | 4.25% | 7.06% | 2.12% |
| Q4 2025 | 5.88% | 1.92% | 4.24% | 7.04% | 2.14% |
| Q1 2026 | 5.90% | 1.70% | 4.44% | 7.00% | 2.14% |
| Q2 2026 | 6.17% | 1.83% | 4.61% | 7.42% | 2.12% |
The First National Bank of Moose Lake 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 Moose Lake, 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 Moose Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5214) · FFIEC NIC profile (RSSD 706058)