Western National Bank of Cass Lake: 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 Net interest margin: 1.17 percentage points higher than in Q1 2026, at 5.79%. Among 221 Minnesota banks, Western National Bank of Cass Lake sits 7th from the top on net interest margin, 5.79% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Western National Bank of Cass Lake sits 1.90 points higher, at 5.79% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.37% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.39% |
| Cost of interest-bearing deposits | 1.01% |
| Cost of interest-bearing liabilities | 1.03% |
| Cost of borrowings | 1.53% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.79% |
| Yield to cost spread | 5.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $255K |
| Total interest expense | $49K |
| Interest expense on deposits | $48K |
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 | 3.83% | 0.54% | 3.38% |
| Q4 2023 | 5.04% | 0.28% | 4.74% |
| Q1 2024 | 4.68% | 0.08% | 4.59% |
| Q2 2024 | 5.15% | 0.04% | 5.11% |
| Q3 2024 | 4.94% | 1.79% | 3.10% |
| Q4 2024 | 5.25% | 0.63% | 4.54% |
| Q1 2025 | 4.92% | 0.53% | 4.32% |
| Q2 2025 | 5.32% | 0.69% | 4.68% |
| Q3 2025 | 6.27% | 0.44% | 5.58% |
| Q4 2025 | 5.35% | 0.63% | 4.73% |
| Q1 2026 | 5.19% | 0.39% | 4.62% |
| Q2 2026 | 6.37% | 0.39% | 5.79% |
Western National Bank of Cass Lake yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Western National Bank of Cass Lake, 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 Western National Bank of Cass Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5110) · FFIEC NIC profile (RSSD 278751)