Freeport State 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.
Net interest margin rose 0.19 percentage points from Q1 2026 to Q2 2026, ending at 4.51% against 4.32%. It was the largest change among the key lines on this page. Freeport State Bank ranks 50th of 221 Minnesota banks on net interest margin, in the upper half at 4.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Freeport State Bank sits 0.57 points higher, at 4.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.64% |
| Yield on loans | 6.95% |
| Yield on securities | 1.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.59% |
| Cost of interest-bearing liabilities | 1.59% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.51% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $456K |
| Interest expense on deposits | $456K |
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 | 4.57% | 0.91% | 3.71% | 5.91% | 1.83% |
| Q4 2023 | 4.71% | 1.09% | 3.67% | 6.07% | 1.83% |
| Q1 2024 | 4.82% | 1.25% | 3.63% | 6.23% | 1.82% |
| Q2 2024 | 5.04% | 1.37% | 3.76% | 6.50% | 1.84% |
| Q3 2024 | 5.23% | 1.41% | 3.90% | 6.69% | 1.89% |
| Q4 2024 | 5.27% | 1.41% | 3.95% | 6.87% | 1.87% |
| Q1 2025 | 5.28% | 1.34% | 4.01% | 6.79% | 1.85% |
| Q2 2025 | 5.39% | 1.35% | 4.13% | 6.96% | 1.84% |
| Q3 2025 | 5.49% | 1.34% | 4.25% | 6.99% | 1.85% |
| Q4 2025 | 5.59% | 1.31% | 4.37% | 7.07% | 1.90% |
| Q1 2026 | 5.48% | 1.27% | 4.32% | 6.86% | 1.92% |
| Q2 2026 | 5.64% | 1.24% | 4.51% | 6.95% | 1.92% |
Freeport State 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 Freeport State 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 Freeport State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8210) · FFIEC NIC profile (RSSD 72454)