MY Kind of Bank, N.A.: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.27 percentage points to 4.16%. Within Minnesota, MY Kind of Bank, N.A. is 96th of 221 on net interest margin, 4.16% as of Q2 2026, above the middle of the field. MY Kind of Bank, N.A. reported 4.16% on net interest margin for Q2 2026, 0.21 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.28% |
| Yield on loans | 7.23% |
| Yield on securities | 2.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.19% |
| Cost of interest-bearing deposits | 2.47% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.16% |
| Yield to cost spread | 3.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.5M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.1M |
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 | 5.12% | 2.20% | 3.03% | 6.29% | 2.16% |
| Q4 2023 | 5.12% | 2.38% | 2.91% | 6.36% | 2.13% |
| Q1 2024 | 5.35% | 2.48% | 2.96% | 6.36% | 2.54% |
| Q2 2024 | 5.60% | 2.50% | 3.21% | 6.80% | 2.34% |
| Q3 2024 | 5.95% | 2.65% | 3.34% | 6.95% | 2.65% |
| Q4 2024 | 5.94% | 2.54% | 3.48% | 6.94% | 2.69% |
| Q1 2025 | 5.86% | 2.39% | 3.55% | 6.81% | 2.60% |
| Q2 2025 | 6.11% | 2.33% | 3.85% | 7.10% | 2.62% |
| Q3 2025 | 6.25% | 2.32% | 4.00% | 7.19% | 2.75% |
| Q4 2025 | 6.09% | 2.27% | 3.90% | 7.08% | 2.82% |
| Q1 2026 | 6.01% | 2.17% | 3.89% | 6.96% | 2.92% |
| Q2 2026 | 6.28% | 2.19% | 4.16% | 7.23% | 2.98% |
MY Kind of Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock MY Kind of Bank, N.A., 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 MY Kind of Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5162) · FFIEC NIC profile (RSSD 23456)