Lake Region 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.
Lake Region Bank reported little change from Q1 2026 to Q2 2026. Cost of interest-bearing deposits showed the biggest shift, 0.82% to 0.86%. Lake Region Bank ranks 39th of 221 Minnesota banks on net interest margin, in the upper half at 4.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Lake Region Bank sits 0.62 points higher, at 4.57% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.10% |
| Yield on loans | 7.05% |
| Yield on securities | 2.83% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.57% |
| Cost of interest-bearing deposits | 0.86% |
| Cost of interest-bearing liabilities | 0.86% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.57% |
| Yield to cost spread | 4.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $198K |
| Interest expense on deposits | $198K |
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 | 4.31% | 0.45% | 3.89% | 6.81% | 2.73% |
| Q4 2023 | 5.07% | 0.51% | 4.60% | 8.72% | 2.81% |
| Q1 2024 | 4.64% | 0.52% | 4.16% | 7.13% | 2.93% |
| Q2 2024 | 4.64% | 0.58% | 4.10% | 7.11% | 2.82% |
| Q3 2024 | 4.83% | 0.60% | 4.28% | 7.43% | 2.93% |
| Q4 2024 | 4.85% | 0.70% | 4.21% | 7.44% | 2.80% |
| Q1 2025 | 4.71% | 0.60% | 4.16% | 7.04% | 2.75% |
| Q2 2025 | 5.01% | 0.60% | 4.47% | 7.34% | 2.79% |
| Q3 2025 | 5.10% | 0.70% | 4.46% | 7.29% | 2.86% |
| Q4 2025 | 5.20% | 0.70% | 4.55% | 7.32% | 2.93% |
| Q1 2026 | 5.08% | 0.55% | 4.58% | 7.11% | 2.86% |
| Q2 2026 | 5.10% | 0.57% | 4.57% | 7.05% | 2.83% |
Lake Region 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 Region 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 Region Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10965) · FFIEC NIC profile (RSSD 164153)