Frandsen Bank & Trust: 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 Net interest margin: 0.41 percentage points higher than in Q1 2026, at 4.35%. Within Minnesota, Frandsen Bank & Trust is 69th of 221 on net interest margin, 4.35% as of Q2 2026, above the middle of the field. Frandsen Bank & Trust reported 4.35% on net interest margin for Q2 2026, 0.64 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.81% |
| Yield on loans | 6.80% |
| Yield on securities | 2.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 1.99% |
| Cost of interest-bearing liabilities | 2.04% |
| Cost of borrowings | 3.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.35% |
| Yield to cost spread | 3.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $42.8M |
| Total interest expense | $12.6M |
| Interest expense on deposits | $11.9M |
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 | 4.70% | 1.09% | 3.41% | 5.68% | 1.89% |
| Q4 2023 | 4.82% | 1.27% | 3.34% | 5.76% | 1.94% |
| Q1 2024 | 4.92% | 1.45% | 3.24% | 5.83% | 2.06% |
| Q2 2024 | 5.22% | 1.49% | 3.51% | 6.18% | 2.09% |
| Q3 2024 | 5.33% | 1.86% | 3.56% | 6.29% | 2.17% |
| Q4 2024 | 5.28% | 1.85% | 3.54% | 6.21% | 2.28% |
| Q1 2025 | 5.25% | 1.72% | 3.63% | 6.18% | 2.45% |
| Q2 2025 | 5.54% | 1.73% | 3.91% | 6.49% | 2.48% |
| Q3 2025 | 5.51% | 1.73% | 3.90% | 6.45% | 2.52% |
| Q4 2025 | 5.59% | 1.68% | 4.03% | 6.60% | 2.62% |
| Q1 2026 | 5.41% | 1.58% | 3.94% | 6.34% | 2.76% |
| Q2 2026 | 5.81% | 1.57% | 4.35% | 6.80% | 2.84% |
Frandsen Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Frandsen Bank & Trust, 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 Frandsen Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1399) · FFIEC NIC profile (RSSD 751656)