First State Bank of Swanville: 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 Yield on securities: 1.98 percentage points higher than in Q1 2026, at 4.59%. Among 221 Minnesota banks, First State Bank of Swanville sits 9th from the top on net interest margin, 5.68% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. First State Bank of Swanville sits 1.79 points higher, at 5.68% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 6.70% |
| Yield on securities | 4.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.27% |
| Cost of interest-bearing deposits | 0.56% |
| Cost of interest-bearing liabilities | 0.56% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.68% |
| Yield to cost spread | 5.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $251K |
| Total interest expense | $13K |
| Interest expense on deposits | $13K |
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 | 4.92% | 0.29% | 4.67% | 5.85% | 0.69% |
| Q4 2023 | 5.23% | 0.27% | 5.00% | 6.16% | 0.80% |
| Q1 2024 | 5.62% | 0.28% | 5.38% | 6.36% | 0.48% |
| Q2 2024 | 5.94% | 0.38% | 5.62% | 6.71% | 0.96% |
| Q3 2024 | 5.74% | 0.69% | 5.17% | 6.77% | 0.86% |
| Q4 2024 | 6.23% | 0.79% | 5.57% | 6.90% | 1.85% |
| Q1 2025 | 6.15% | 0.83% | 5.46% | 6.84% | 1.93% |
| Q2 2025 | 6.18% | 0.69% | 5.59% | 7.04% | 3.05% |
| Q3 2025 | 6.46% | 0.37% | 6.13% | 7.49% | 2.40% |
| Q4 2025 | 6.69% | 0.25% | 6.48% | 7.77% | 2.59% |
| Q1 2026 | 6.03% | 0.28% | 5.81% | 7.78% | 2.61% |
| Q2 2026 | 5.91% | 0.27% | 5.68% | 6.70% | 4.59% |
First State Bank of Swanville 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 Swanville, 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 Swanville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8218) · FFIEC NIC profile (RSSD 833851)