The First National Bank of River Falls: 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.25 percentage points to 3.33%. Within Wisconsin, The First National Bank of River Falls is 123rd of 153 on net interest margin, 3.33% as of Q2 2026, below the middle of the field. The First National Bank of River Falls reported 3.33% on net interest margin for Q2 2026, 0.62 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.47% |
| Yield on loans | 5.98% |
| Yield on securities | 2.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 1.46% |
| Cost of interest-bearing liabilities | 1.51% |
| Cost of borrowings | 2.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.33% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $903K |
| Interest expense on deposits | $833K |
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 | 3.54% | 0.95% | 2.65% | 4.77% | 2.47% |
| Q4 2023 | 3.74% | 1.02% | 2.78% | 4.92% | 2.52% |
| Q1 2024 | 4.00% | 1.24% | 2.83% | 5.10% | 2.54% |
| Q2 2024 | 3.98% | 1.41% | 2.66% | 5.44% | 2.50% |
| Q3 2024 | 4.11% | 1.52% | 2.68% | 5.65% | 2.51% |
| Q4 2024 | 4.22% | 1.48% | 2.84% | 5.69% | 2.54% |
| Q1 2025 | 4.35% | 1.45% | 2.99% | 5.66% | 2.59% |
| Q2 2025 | 4.34% | 1.43% | 2.99% | 5.84% | 2.59% |
| Q3 2025 | 4.44% | 1.40% | 3.13% | 5.98% | 2.61% |
| Q4 2025 | 4.58% | 1.28% | 3.39% | 6.04% | 2.65% |
| Q1 2026 | 4.74% | 1.24% | 3.58% | 5.97% | 2.74% |
| Q2 2026 | 4.47% | 1.22% | 3.33% | 5.98% | 2.73% |
The First National Bank of River Falls 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 River Falls, 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 River Falls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5364) · FFIEC NIC profile (RSSD 956255)