Foresight Bank: 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, Total interest expense rose 3.1% in Q2 2026 to $2.7M, the biggest move on this page. Foresight Bank ranks 191st of 221 Minnesota banks on net interest margin, in the lower half at 3.20% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Foresight Bank sits 0.74 points lower, at 3.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.06% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.60% |
| Cost of interest-bearing deposits | 2.75% |
| Cost of interest-bearing liabilities | 2.95% |
| Cost of borrowings | 4.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.20% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.2M |
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 | 5.31% | 2.31% | 3.00% | 5.64% | 3.25% |
| Q4 2023 | 5.46% | 2.37% | 3.07% | 5.75% | 3.43% |
| Q1 2024 | 5.52% | 2.56% | 2.95% | 5.79% | 3.49% |
| Q2 2024 | 5.69% | 2.92% | 2.79% | 5.96% | 3.36% |
| Q3 2024 | 5.84% | 3.02% | 2.87% | 6.04% | 3.56% |
| Q4 2024 | 5.97% | 2.92% | 3.09% | 6.25% | 3.98% |
| Q1 2025 | 5.75% | 2.89% | 2.94% | 6.05% | 4.07% |
| Q2 2025 | 6.07% | 2.94% | 3.25% | 6.45% | 3.93% |
| Q3 2025 | 6.02% | 2.86% | 3.29% | 6.50% | 4.01% |
| Q4 2025 | 5.99% | 2.69% | 3.40% | 6.38% | 3.87% |
| Q1 2026 | 5.84% | 2.58% | 3.33% | 6.17% | 3.84% |
| Q2 2026 | 5.74% | 2.60% | 3.20% | 6.06% | 3.84% |
Foresight Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Foresight Bank, 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 Foresight Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5229) · FFIEC NIC profile (RSSD 755458)