Pine Country 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 0.16 percentage points from Q1 2026 to Q2 2026, ending at 4.40% against 4.24%. It was the largest change among the key lines on this page. Pine Country Bank ranks 62nd of 221 Minnesota banks on net interest margin, in the upper half at 4.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Pine Country Bank sits 0.45 points higher, at 4.40% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 6.81% |
| Yield on securities | 3.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.28% |
| Cost of interest-bearing deposits | 1.82% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.40% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 5.01% | 0.84% | 4.24% | 6.20% | 2.35% |
| Q4 2023 | 5.32% | 0.97% | 4.43% | 6.51% | 2.69% |
| Q1 2024 | 5.24% | 1.13% | 4.19% | 6.42% | 2.70% |
| Q2 2024 | 5.67% | 1.26% | 4.51% | 6.68% | 2.72% |
| Q3 2024 | 5.56% | 1.34% | 4.33% | 6.83% | 2.72% |
| Q4 2024 | 5.68% | 1.34% | 4.45% | 6.98% | 3.16% |
| Q1 2025 | 5.18% | 1.64% | 3.69% | 6.68% | 2.32% |
| Q2 2025 | 5.35% | 1.54% | 3.93% | 6.89% | 2.46% |
| Q3 2025 | 5.33% | 1.49% | 3.94% | 6.83% | 2.65% |
| Q4 2025 | 5.57% | 1.37% | 4.31% | 7.02% | 2.87% |
| Q1 2026 | 5.43% | 1.28% | 4.24% | 6.78% | 2.89% |
| Q2 2026 | 5.58% | 1.28% | 4.40% | 6.81% | 3.16% |
Pine Country 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 Pine Country 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 Pine Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13652) · FFIEC NIC profile (RSSD 761459)