Minnesota 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.
Net interest margin rose 0.26 percentage points from Q1 2026 to Q2 2026, ending at 4.57% against 4.31%. It was the largest change among the key lines on this page. Minnesota National Bank ranks 39th of 221 Minnesota banks on net interest margin, in the upper half at 4.57% (Q2 2026). Minnesota National Bank reported 4.57% on net interest margin for Q2 2026, 0.62 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.14% |
| Yield on loans | 6.70% |
| Yield on securities | 3.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 1.85% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.57% |
| Yield to cost spread | 4.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $998K |
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 | 4.92% | 1.75% | 3.14% | 5.90% | 2.73% |
| Q4 2023 | 5.11% | 1.77% | 3.19% | 6.07% | 2.84% |
| Q1 2024 | 5.29% | 1.95% | 3.18% | 6.16% | 2.90% |
| Q2 2024 | 5.47% | 2.22% | 3.23% | 6.36% | 2.90% |
| Q3 2024 | 5.57% | 2.30% | 3.23% | 6.46% | 2.88% |
| Q4 2024 | 5.63% | 2.11% | 3.47% | 6.45% | 2.92% |
| Q1 2025 | 5.64% | 2.01% | 3.61% | 6.33% | 2.96% |
| Q2 2025 | 5.87% | 1.97% | 3.88% | 6.52% | 3.15% |
| Q3 2025 | 6.02% | 1.93% | 4.07% | 6.69% | 3.11% |
| Q4 2025 | 6.07% | 1.77% | 4.28% | 6.75% | 3.22% |
| Q1 2026 | 5.93% | 1.57% | 4.31% | 6.46% | 3.27% |
| Q2 2026 | 6.14% | 1.53% | 4.57% | 6.70% | 3.30% |
Minnesota 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 Minnesota 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 Minnesota National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5249) · FFIEC NIC profile (RSSD 799751)