First Security Bank - Sleepy Eye: 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 standout move of Q2 2026 was in Net interest margin: 0.50 percentage points higher than in Q1 2026, at 3.72%. First Security Bank - Sleepy Eye ranks 152nd of 221 Minnesota banks on net interest margin, in the lower half at 3.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Security Bank - Sleepy Eye sits 0.23 points lower, at 3.72% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.32% |
| Yield on loans | 5.65% |
| Yield on securities | 3.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.67% |
| Cost of interest-bearing deposits | 1.06% |
| Cost of interest-bearing liabilities | 1.06% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $575K |
| Total interest expense | $260K |
| Interest expense on deposits | $260K |
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 | 2.89% | 0.84% | 2.18% | 5.38% | 1.64% |
| Q4 2023 | 2.97% | 0.86% | 2.24% | 5.47% | 1.61% |
| Q1 2024 | 3.63% | 0.92% | 2.78% | 5.72% | 2.33% |
| Q2 2024 | 3.59% | 1.06% | 2.68% | 5.79% | 2.43% |
| Q3 2024 | 4.24% | 1.09% | 3.27% | 5.99% | 3.18% |
| Q4 2024 | 4.38% | 0.81% | 3.66% | 6.68% | 3.12% |
| Q1 2025 | 4.70% | 0.64% | 4.14% | 5.78% | 4.36% |
| Q2 2025 | 4.11% | 0.68% | 3.49% | 5.91% | 2.91% |
| Q3 2025 | 4.33% | 0.74% | 3.67% | 5.57% | 3.80% |
| Q4 2025 | 4.56% | 0.71% | 3.92% | 5.89% | 3.73% |
| Q1 2026 | 3.74% | 0.61% | 3.22% | 5.41% | 3.25% |
| Q2 2026 | 4.32% | 0.67% | 3.72% | 5.65% | 3.98% |
First Security Bank - Sleepy Eye 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 - Sleepy Eye, 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 - Sleepy Eye profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5252) · FFIEC NIC profile (RSSD 861658)