First State Bank of Bigfork: 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.
In Q3 2026, Yield on securities edged up by 0.17 percentage points, from 3.75% to 3.92%, the largest move among the key lines here. Within Minnesota, First State Bank of Bigfork is 117th of 221 on net interest margin, 3.95% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; First State Bank of Bigfork reported 3.93% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 6.81% |
| Yield on securities | 3.92% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.24% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | 2.02% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $585K |
| Interest expense on deposits | $576K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 5.49% | 2.08% | 3.67% | 6.18% | 1.20% |
| Q1 2024 | 5.46% | 2.05% | 3.57% | 6.10% | 1.90% |
| Q2 2024 | 5.83% | 2.08% | 3.92% | 6.48% | 1.26% |
| Q3 2024 | 6.00% | 2.22% | 3.97% | 6.56% | 2.23% |
| Q4 2024 | 6.02% | 2.20% | 4.02% | 6.66% | 1.54% |
| Q1 2025 | 5.78% | 2.14% | 3.84% | 6.48% | 1.93% |
| Q2 2025 | 5.81% | 2.18% | 3.82% | 6.44% | 2.34% |
| Q3 2025 | 5.16% | 2.28% | 3.09% | 5.67% | 2.67% |
| Q4 2025 | 6.34% | 2.28% | 4.28% | 7.22% | 2.95% |
| Q1 2026 | 6.24% | 2.18% | 4.26% | 7.30% | 3.27% |
| Q2 2026 | 5.95% | 2.20% | 3.95% | 6.89% | 3.75% |
| Q3 2026 | 5.95% | 2.24% | 3.93% | 6.81% | 3.92% |
First State Bank of Bigfork 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 State Bank of Bigfork, 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 State Bank of Bigfork profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10991) · FFIEC NIC profile (RSSD 364850)