Mid-Central National 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 biggest quarter-over-quarter change on this page was a small one: Yield on loans edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 6.68%. Among 221 Minnesota banks, Mid-Central National Bank sits 11th from the top on net interest margin, 5.19% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Mid-Central National Bank sits 1.24 points higher, at 5.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.98% |
| Yield on loans | 6.68% |
| Yield on securities | 3.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.91% |
| Cost of interest-bearing deposits | 1.05% |
| Cost of interest-bearing liabilities | 1.05% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.19% |
| Yield to cost spread | 4.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $219K |
| Interest expense on deposits | $219K |
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 | 5.04% | 0.75% | 4.38% | 5.74% | 3.60% |
| Q4 2023 | 5.02% | 0.82% | 4.30% | 5.76% | 3.09% |
| Q1 2024 | 5.02% | 0.93% | 4.22% | 5.99% | 2.61% |
| Q2 2024 | 5.39% | 0.99% | 4.54% | 6.12% | 3.23% |
| Q3 2024 | 5.61% | 1.09% | 4.67% | 6.52% | 3.47% |
| Q4 2024 | 5.59% | 1.06% | 4.68% | 6.46% | 3.14% |
| Q1 2025 | 5.54% | 1.03% | 4.65% | 6.44% | 3.02% |
| Q2 2025 | 5.73% | 1.00% | 4.86% | 6.49% | 3.17% |
| Q3 2025 | 5.82% | 1.01% | 4.95% | 6.54% | 3.43% |
| Q4 2025 | 6.00% | 0.98% | 5.15% | 6.62% | 3.35% |
| Q1 2026 | 5.95% | 0.91% | 5.16% | 6.56% | 3.10% |
| Q2 2026 | 5.98% | 0.91% | 5.19% | 6.68% | 3.08% |
Mid-Central National 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 Mid-Central National 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 Mid-Central National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30943) · FFIEC NIC profile (RSSD 773171)