Minnesota Lakes 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.
In Q2 2026, Net interest margin edged down by 0.10 percentage points, from 6.30% to 6.20%, the largest move among the key lines here. Among 221 Minnesota banks, Minnesota Lakes Bank sits 3rd from the top on net interest margin, 6.20% as of Q2 2026. Against a median of 3.95% for banks in the $100M-1B asset tier, Minnesota Lakes Bank reported 6.20% on net interest margin in Q2 2026, 2.25 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.66% |
| Yield on loans | 7.09% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.43% |
| Cost of interest-bearing deposits | 0.63% |
| Cost of interest-bearing liabilities | 0.63% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.20% |
| Yield to cost spread | 6.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $120K |
| Interest expense on deposits | $120K |
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 | 5.32% | 0.40% | 4.86% | 6.56% | 2.02% |
| Q4 2023 | 5.81% | 0.44% | 5.33% | 6.80% | 2.04% |
| Q1 2024 | 5.55% | 0.32% | 5.22% | 6.60% | 2.13% |
| Q2 2024 | 5.82% | 0.35% | 5.47% | 6.82% | 2.05% |
| Q3 2024 | 6.45% | 0.32% | 6.09% | 6.93% | 2.64% |
| Q4 2024 | 7.20% | 0.27% | 6.90% | 7.15% | 2.68% |
| Q1 2025 | 6.20% | 0.31% | 5.88% | 7.03% | 2.75% |
| Q2 2025 | 6.37% | 0.36% | 6.01% | 7.09% | 2.79% |
| Q3 2025 | 6.94% | 0.43% | 6.46% | 7.49% | 2.94% |
| Q4 2025 | 7.23% | 0.39% | 6.81% | 7.47% | 3.04% |
| Q1 2026 | 6.74% | 0.41% | 6.30% | 7.20% | 3.33% |
| Q2 2026 | 6.66% | 0.43% | 6.20% | 7.09% | 3.52% |
Minnesota Lakes 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 Minnesota Lakes 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 Minnesota Lakes Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23986) · FFIEC NIC profile (RSSD 157650)