Neighborhood 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.14 percentage points to 3.67%. Within Minnesota, Neighborhood National Bank is 162nd of 221 on net interest margin, 3.67% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Neighborhood National Bank sits 0.28 points lower, at 3.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.11% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 1.70% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | 4.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 3.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $847K |
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 |
|---|---|---|---|
| Q3 2023 | 4.30% | 1.62% | 2.88% |
| Q4 2023 | 4.39% | 1.73% | 2.88% |
| Q1 2024 | 4.44% | 1.83% | 2.83% |
| Q2 2024 | 4.62% | 2.00% | 2.87% |
| Q3 2024 | 4.96% | 2.02% | 3.15% |
| Q4 2024 | 4.75% | 1.97% | 2.96% |
| Q1 2025 | 4.72% | 1.88% | 3.02% |
| Q2 2025 | 4.93% | 1.86% | 3.28% |
| Q3 2025 | 5.23% | 1.86% | 3.58% |
| Q4 2025 | 5.06% | 1.77% | 3.50% |
| Q1 2026 | 5.00% | 1.67% | 3.53% |
| Q2 2026 | 5.11% | 1.64% | 3.67% |
Neighborhood 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 Neighborhood 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 Neighborhood National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18885) · FFIEC NIC profile (RSSD 705556)