The First National Bank of Proctor: 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 0.20 percentage points in Q2 2026 to 3.59%, the biggest move on this page. Within Minnesota, The First National Bank of Proctor is 167th of 221 on net interest margin, 3.59% as of Q2 2026, below the middle of the field. The First National Bank of Proctor reported 3.59% on net interest margin for Q2 2026, 0.30 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.47% |
| Yield on loans | 5.65% |
| Yield on securities | 3.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.95% |
| Cost of interest-bearing deposits | 1.35% |
| Cost of interest-bearing liabilities | 1.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.59% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $194K |
| Total interest expense | $76K |
| Interest expense on deposits | $76K |
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 | 3.77% | 0.45% | 3.35% | 5.12% | 1.46% |
| Q4 2023 | 3.86% | 0.64% | 3.25% | 5.10% | 1.51% |
| Q1 2024 | 3.91% | 0.72% | 3.24% | 5.12% | 1.58% |
| Q2 2024 | 4.03% | 0.69% | 3.39% | 5.36% | 1.55% |
| Q3 2024 | 4.40% | 0.92% | 3.55% | 5.69% | 2.06% |
| Q4 2024 | 4.18% | 0.72% | 3.50% | 5.35% | 2.43% |
| Q1 2025 | 4.21% | 0.81% | 3.44% | 5.39% | 2.68% |
| Q2 2025 | 4.29% | 0.91% | 3.44% | 5.45% | 2.90% |
| Q3 2025 | 4.45% | 0.92% | 3.60% | 5.63% | 3.33% |
| Q4 2025 | 4.42% | 0.94% | 3.53% | 5.48% | 3.65% |
| Q1 2026 | 4.28% | 0.95% | 3.39% | 5.29% | 3.58% |
| Q2 2026 | 4.47% | 0.95% | 3.59% | 5.65% | 3.69% |
The First National Bank of Proctor 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 Proctor, 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 Proctor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5232) · FFIEC NIC profile (RSSD 731957)