Lake Central 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.16 percentage points to 4.29%. Within Minnesota, Lake Central Bank is 77th of 221 on net interest margin, 4.29% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Lake Central Bank sits 0.34 points higher, at 4.29% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 6.39% |
| Yield on securities | 3.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.27% |
| Cost of interest-bearing deposits | 1.44% |
| Cost of interest-bearing liabilities | 1.46% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 3.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $796K |
| Interest expense on deposits | $776K |
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 | 4.05% | 1.07% | 3.08% | 5.20% | 2.68% |
| Q4 2023 | 4.44% | 1.23% | 3.31% | 5.73% | 2.86% |
| Q1 2024 | 4.53% | 1.44% | 3.22% | 5.92% | 3.02% |
| Q2 2024 | 5.90% | 1.52% | 4.51% | 7.43% | 3.77% |
| Q3 2024 | 5.18% | 1.50% | 3.75% | 6.59% | 3.16% |
| Q4 2024 | 5.43% | 1.30% | 4.19% | 6.76% | 3.23% |
| Q1 2025 | 5.38% | 1.18% | 4.25% | 6.74% | 3.18% |
| Q2 2025 | 5.40% | 1.18% | 4.24% | 6.70% | 3.16% |
| Q3 2025 | 5.52% | 1.28% | 4.29% | 6.84% | 3.16% |
| Q4 2025 | 5.47% | 1.13% | 4.47% | 6.43% | 3.22% |
| Q1 2026 | 5.44% | 1.10% | 4.45% | 6.36% | 3.27% |
| Q2 2026 | 5.42% | 1.27% | 4.29% | 6.39% | 3.26% |
Lake Central 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 Lake Central 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 Lake Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10989) · FFIEC NIC profile (RSSD 269058)