Wadena State 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 standout move of Q2 2026 was in Cost of borrowings: 0.86 percentage points lower than in Q1 2026, at 3.05%. Within Minnesota, Wadena State Bank is 75th of 221 on net interest margin, 4.33% as of Q2 2026, above the middle of the field. Wadena State Bank reported 4.33% on net interest margin for Q2 2026, 0.38 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.70% |
| Yield on loans | 6.97% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.50% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | 3.05% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $706K |
| Interest expense on deposits | $705K |
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 | 5.19% | 1.20% | 4.10% | 6.15% | 3.64% |
| Q4 2023 | 5.28% | 1.29% | 4.10% | 6.28% | 3.65% |
| Q1 2024 | 5.45% | 1.42% | 4.14% | 6.46% | 3.78% |
| Q2 2024 | 5.48% | 1.45% | 4.15% | 6.64% | 3.42% |
| Q3 2024 | 5.74% | 1.54% | 4.34% | 6.95% | 3.53% |
| Q4 2024 | 5.74% | 1.59% | 4.29% | 6.96% | 3.28% |
| Q1 2025 | 5.54% | 1.56% | 4.11% | 6.75% | 3.09% |
| Q2 2025 | 5.63% | 1.64% | 4.14% | 6.91% | 2.89% |
| Q3 2025 | 5.79% | 1.65% | 4.29% | 7.09% | 2.99% |
| Q4 2025 | 5.86% | 1.58% | 4.41% | 7.20% | 2.94% |
| Q1 2026 | 5.70% | 1.56% | 4.26% | 6.95% | 3.00% |
| Q2 2026 | 5.70% | 1.50% | 4.33% | 6.97% | 2.94% |
Wadena State 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 Wadena State 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 Wadena State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13430) · FFIEC NIC profile (RSSD 210256)