First State Bank of Le Center: 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 4.83%, the biggest move on this page. First State Bank of Le Center ranks 25th of 221 Minnesota banks on net interest margin, in the upper half at 4.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First State Bank of Le Center sits 0.88 points higher, at 4.83% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 6.73% |
| Yield on securities | 3.83% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.45% |
| Cost of interest-bearing liabilities | 1.50% |
| Cost of borrowings | 2.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.83% |
| Yield to cost spread | 4.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $287K |
| Interest expense on deposits | $259K |
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 | 5.01% | 0.69% | 4.32% | 5.93% | 2.62% |
| Q4 2023 | 4.61% | 0.89% | 3.76% | 5.93% | 2.16% |
| Q1 2024 | 5.03% | 1.04% | 4.08% | 6.12% | 2.34% |
| Q2 2024 | 5.12% | 1.08% | 4.13% | 6.36% | 2.42% |
| Q3 2024 | 5.38% | 1.14% | 4.34% | 6.67% | 2.30% |
| Q4 2024 | 5.21% | 1.11% | 4.18% | 6.33% | 2.48% |
| Q1 2025 | 5.38% | 1.17% | 4.30% | 6.47% | 2.59% |
| Q2 2025 | 5.49% | 1.31% | 4.33% | 6.51% | 3.01% |
| Q3 2025 | 5.83% | 1.30% | 4.63% | 6.89% | 3.13% |
| Q4 2025 | 5.71% | 1.25% | 4.55% | 6.64% | 3.44% |
| Q1 2026 | 5.75% | 1.22% | 4.63% | 6.59% | 3.57% |
| Q2 2026 | 5.91% | 1.18% | 4.83% | 6.73% | 3.83% |
First State Bank of Le Center 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 Le Center, 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 Le Center profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9330) · FFIEC NIC profile (RSSD 986159)