Lake Elmo 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 Total interest expense, which rose 7.3% to $1.5M. Lake Elmo Bank ranks 77th of 221 Minnesota banks on net interest margin, in the upper half at 4.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Lake Elmo Bank sits 0.34 points higher, at 4.29% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.32% |
| Cost of interest-bearing deposits | 1.79% |
| Cost of interest-bearing liabilities | 1.78% |
| Cost of borrowings | 1.21% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 3.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 |
|---|---|---|---|
| Q3 2023 | 4.66% | 0.51% | 4.19% |
| Q4 2023 | 4.77% | 0.69% | 4.13% |
| Q1 2024 | 4.79% | 0.80% | 4.06% |
| Q2 2024 | 4.95% | 0.93% | 4.10% |
| Q3 2024 | 5.17% | 1.07% | 4.20% |
| Q4 2024 | 5.14% | 1.20% | 4.05% |
| Q1 2025 | 5.09% | 1.16% | 4.03% |
| Q2 2025 | 5.37% | 1.15% | 4.33% |
| Q3 2025 | 5.44% | 1.24% | 4.32% |
| Q4 2025 | 5.34% | 1.26% | 4.20% |
| Q1 2026 | 5.27% | 1.24% | 4.13% |
| Q2 2026 | 5.48% | 1.32% | 4.29% |
Lake Elmo 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 Elmo 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 Elmo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15443) · FFIEC NIC profile (RSSD 1015850)