The First State Bank of Rosemount: 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 Q2 2026, Cost of interest-bearing deposits edged up by 0.06 percentage points, from 2.84% to 2.90%, the largest move among the key lines here. Within Minnesota, The First State Bank of Rosemount is 192nd of 221 on net interest margin, 3.19% as of Q2 2026, below the middle of the field. The First State Bank of Rosemount reported 3.19% on net interest margin for Q2 2026, 0.76 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 6.77% |
| Yield on securities | 2.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.34% |
| Cost of interest-bearing deposits | 2.90% |
| Cost of interest-bearing liabilities | 2.90% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.19% |
| Yield to cost spread | 2.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $847K |
| Interest expense on deposits | $847K |
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 | 4.25% | 0.97% | 3.27% | 5.17% | 2.25% |
| Q4 2023 | 4.69% | 1.08% | 3.57% | 5.64% | 2.37% |
| Q1 2024 | 4.65% | 1.55% | 3.09% | 5.63% | 2.13% |
| Q2 2024 | 5.05% | 1.74% | 3.30% | 5.93% | 2.40% |
| Q3 2024 | 4.97% | 2.20% | 2.95% | 6.12% | 1.92% |
| Q4 2024 | 5.29% | 2.21% | 3.15% | 6.22% | 2.27% |
| Q1 2025 | 5.32% | 2.06% | 3.19% | 6.18% | 2.30% |
| Q2 2025 | 5.55% | 2.20% | 3.26% | 6.44% | 2.32% |
| Q3 2025 | 5.74% | 2.29% | 3.30% | 6.72% | 2.28% |
| Q4 2025 | 5.37% | 2.46% | 2.86% | 6.23% | 2.23% |
| Q1 2026 | 5.53% | 2.30% | 3.17% | 6.66% | 1.97% |
| Q2 2026 | 5.55% | 2.34% | 3.19% | 6.77% | 2.02% |
The First State Bank of Rosemount 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 State Bank of Rosemount, 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 State Bank of Rosemount profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9769) · FFIEC NIC profile (RSSD 760957)