First Security Bank: 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.
Net interest margin climbed 0.47 percentage points in Q2 2026, from 3.32% to 3.79%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, First Security Bank is 142nd of 221 on net interest margin, 3.79% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. First Security Bank sits 0.15 points lower, at 3.79% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.37% |
| Yield on loans | 6.94% |
| Yield on securities | 3.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.61% |
| Cost of interest-bearing deposits | 2.96% |
| Cost of interest-bearing liabilities | 3.16% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $964K |
| Interest expense on deposits | $698K |
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 | 5.93% | 2.40% | 3.67% | 6.83% | 2.95% |
| Q4 2023 | 5.81% | 2.66% | 3.29% | 6.62% | 3.02% |
| Q1 2024 | 5.89% | 2.94% | 3.11% | 6.63% | 3.08% |
| Q2 2024 | 6.01% | 3.00% | 3.19% | 6.75% | 3.12% |
| Q3 2024 | 6.15% | 2.49% | 3.16% | 6.89% | 3.26% |
| Q4 2024 | 6.03% | 2.50% | 3.04% | 6.74% | 3.23% |
| Q1 2025 | 6.13% | 2.98% | 3.31% | 6.82% | 3.32% |
| Q2 2025 | 6.11% | 3.02% | 3.27% | 6.78% | 3.39% |
| Q3 2025 | 6.24% | 3.02% | 3.40% | 6.92% | 3.41% |
| Q4 2025 | 6.22% | 2.90% | 3.48% | 6.88% | 3.42% |
| Q1 2026 | 6.04% | 2.84% | 3.32% | 6.59% | 3.82% |
| Q2 2026 | 6.37% | 2.61% | 3.79% | 6.94% | 3.97% |
First Security Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank, 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 First Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9728) · FFIEC NIC profile (RSSD 109154)