Hometown 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.
The standout move of Q2 2026 was in Cost of borrowings: 2.11 percentage points lower than in Q1 2026, at 3.97%. Within Minnesota, Hometown Bank is 95th of 221 on net interest margin, 4.17% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Hometown Bank sits 0.23 points higher, at 4.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 6.43% |
| Yield on securities | 1.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.31% |
| Cost of interest-bearing deposits | 1.67% |
| Cost of interest-bearing liabilities | 1.77% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 3.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.1M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.0M |
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 | 4.08% | 1.28% | 2.76% | 5.58% | 1.23% |
| Q4 2023 | 4.19% | 1.48% | 2.75% | 5.69% | 1.27% |
| Q1 2024 | 4.41% | 1.54% | 2.94% | 5.91% | 1.39% |
| Q2 2024 | 4.68% | 1.66% | 3.10% | 6.21% | 1.46% |
| Q3 2024 | 4.89% | 1.70% | 3.27% | 6.40% | 1.49% |
| Q4 2024 | 4.89% | 1.58% | 3.40% | 6.35% | 1.57% |
| Q1 2025 | 4.83% | 1.42% | 3.51% | 6.19% | 1.65% |
| Q2 2025 | 4.98% | 1.31% | 3.62% | 6.33% | 1.73% |
| Q3 2025 | 5.25% | 1.39% | 3.81% | 6.58% | 1.82% |
| Q4 2025 | 5.19% | 1.30% | 3.85% | 6.35% | 1.97% |
| Q1 2026 | 5.38% | 1.29% | 4.08% | 6.52% | 1.96% |
| Q2 2026 | 5.50% | 1.31% | 4.17% | 6.43% | 1.73% |
Hometown 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 Hometown 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 Hometown Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31028) · FFIEC NIC profile (RSSD 788773)