Northview 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.
Compared with Q1 2026, Net interest margin rose 0.19 percentage points in Q2 2026 to 5.00%, the biggest move on this page. On net interest margin, Northview Bank ranks 17th highest among the 221 banks headquartered in Minnesota, at 5.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Northview Bank sits 1.06 points higher, at 5.00% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.32% |
| Yield on loans | 7.14% |
| Yield on securities | 1.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | 4.43% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.00% |
| Yield to cost spread | 4.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.2M |
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 | 5.06% | 1.19% | 3.94% | 6.35% | 1.82% |
| Q4 2023 | 5.24% | 1.30% | 4.00% | 6.50% | 1.72% |
| Q1 2024 | 5.11% | 1.44% | 3.75% | 6.23% | 1.73% |
| Q2 2024 | 5.40% | 1.63% | 3.84% | 6.46% | 1.69% |
| Q3 2024 | 5.50% | 1.80% | 3.80% | 6.59% | 1.68% |
| Q4 2024 | 5.94% | 1.77% | 4.27% | 7.07% | 1.60% |
| Q1 2025 | 5.75% | 1.70% | 4.14% | 6.76% | 1.63% |
| Q2 2025 | 6.00% | 1.61% | 4.47% | 7.00% | 1.61% |
| Q3 2025 | 6.39% | 1.57% | 4.92% | 7.47% | 1.76% |
| Q4 2025 | 6.48% | 1.51% | 5.07% | 7.50% | 1.85% |
| Q1 2026 | 6.16% | 1.43% | 4.81% | 7.01% | 2.00% |
| Q2 2026 | 6.32% | 1.41% | 5.00% | 7.14% | 1.77% |
Northview 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 Northview 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 Northview Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10956) · FFIEC NIC profile (RSSD 16551)