Lakeview 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.
Cost of borrowings climbed 1.68 percentage points in Q2 2026, from 2.14% to 3.82%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Lakeview Bank is 54th of 221 on net interest margin, 4.48% as of Q2 2026. Lakeview Bank reported 4.48% on net interest margin for Q2 2026, 0.54 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.16% |
| Yield on loans | 7.25% |
| Yield on securities | 2.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.48% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $834K |
| Interest expense on deposits | $791K |
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 | 5.28% | 1.19% | 4.16% | 6.33% | 1.92% |
| Q4 2023 | 5.58% | 1.51% | 4.17% | 6.65% | 1.97% |
| Q1 2024 | 5.55% | 1.93% | 3.73% | 6.53% | 1.99% |
| Q2 2024 | 5.76% | 2.02% | 3.84% | 6.83% | 2.09% |
| Q3 2024 | 5.83% | 2.06% | 3.91% | 6.88% | 2.15% |
| Q4 2024 | 5.92% | 2.03% | 4.02% | 6.99% | 2.17% |
| Q1 2025 | 5.82% | 1.99% | 3.95% | 6.83% | 2.23% |
| Q2 2025 | 6.22% | 1.99% | 4.35% | 7.28% | 2.34% |
| Q3 2025 | 6.20% | 1.94% | 4.41% | 7.17% | 2.45% |
| Q4 2025 | 6.17% | 1.93% | 4.37% | 7.08% | 2.49% |
| Q1 2026 | 5.87% | 1.83% | 4.12% | 6.90% | 2.56% |
| Q2 2026 | 6.16% | 1.72% | 4.48% | 7.25% | 2.64% |
Lakeview 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 Lakeview 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 Lakeview Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57785) · FFIEC NIC profile (RSSD 3253834)