McIntosh County 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.
Compared with Q1 2026, Net interest margin fell 0.14 percentage points in Q2 2026 to 3.54%, the biggest move on this page. McIntosh County Bank ranks 45th of 60 North Dakota banks on net interest margin, in the lower half at 3.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. McIntosh County Bank sits 0.41 points lower, at 3.54% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 6.63% |
| Yield on securities | 2.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.54% |
| Yield to cost spread | 2.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $426K |
| Interest expense on deposits | $426K |
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 | 4.63% | 1.29% | 3.44% | 6.27% | 2.17% |
| Q4 2023 | 4.82% | 1.71% | 3.24% | 6.52% | 2.27% |
| Q1 2024 | 4.99% | 1.69% | 3.43% | 6.75% | 2.28% |
| Q2 2024 | 5.07% | 1.64% | 3.56% | 6.85% | 2.37% |
| Q3 2024 | 5.28% | 1.79% | 3.64% | 7.09% | 2.44% |
| Q4 2024 | 5.26% | 1.69% | 3.71% | 7.06% | 2.48% |
| Q1 2025 | 5.39% | 1.67% | 3.86% | 7.16% | 2.56% |
| Q2 2025 | 5.26% | 1.68% | 3.74% | 7.07% | 2.60% |
| Q3 2025 | 5.43% | 1.81% | 3.81% | 7.08% | 2.72% |
| Q4 2025 | 5.33% | 1.90% | 3.60% | 6.86% | 2.69% |
| Q1 2026 | 5.18% | 1.64% | 3.68% | 6.84% | 2.76% |
| Q2 2026 | 4.99% | 1.57% | 3.54% | 6.63% | 2.91% |
McIntosh County 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 McIntosh County 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 McIntosh County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13794) · FFIEC NIC profile (RSSD 720858)