WNB Financial, N.A.: 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 Total interest expense: 7.5% higher than in Q1 2026, at $1.9M. WNB Financial, N.A. ranks 183rd of 221 Minnesota banks on net interest margin, in the lower half at 3.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. WNB Financial, N.A. sits 0.55 points lower, at 3.40% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.74% |
| Yield on loans | 5.91% |
| Yield on securities | 2.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.70% |
| Cost of interest-bearing liabilities | 1.76% |
| Cost of borrowings | 4.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.40% |
| Yield to cost spread | 2.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.8M |
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 | 3.94% | 1.10% | 2.73% | 4.88% | 2.19% |
| Q4 2023 | 4.17% | 1.28% | 2.77% | 5.03% | 2.21% |
| Q1 2024 | 4.16% | 1.67% | 2.60% | 5.11% | 2.15% |
| Q2 2024 | 4.29% | 1.86% | 2.56% | 5.24% | 2.10% |
| Q3 2024 | 4.35% | 1.75% | 2.69% | 5.41% | 2.10% |
| Q4 2024 | 4.51% | 1.73% | 2.87% | 5.54% | 2.12% |
| Q1 2025 | 4.48% | 1.53% | 3.02% | 5.53% | 2.09% |
| Q2 2025 | 4.69% | 1.61% | 3.15% | 5.77% | 2.11% |
| Q3 2025 | 4.79% | 1.49% | 3.38% | 5.91% | 2.14% |
| Q4 2025 | 4.79% | 1.51% | 3.35% | 5.94% | 2.16% |
| Q1 2026 | 4.68% | 1.36% | 3.37% | 5.84% | 2.14% |
| Q2 2026 | 4.74% | 1.42% | 3.40% | 5.91% | 2.17% |
WNB Financial, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock WNB Financial, N.A., 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 WNB Financial, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5280) · FFIEC NIC profile (RSSD 220059)