Woodland 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 0.25 percentage points in Q2 2026 to 4.93%, the biggest move on this page. On net interest margin, Woodland Bank ranks 20th highest among the 221 banks headquartered in Minnesota, at 4.93% (Q2 2026). Woodland Bank reported 4.93% on net interest margin for Q2 2026, 0.98 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.70% |
| Yield on loans | 7.31% |
| Yield on securities | 2.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | 3.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.93% |
| Yield to cost spread | 4.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $700K |
| Interest expense on deposits | $613K |
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 | 5.34% | 1.26% | 4.08% | 6.18% | 1.38% |
| Q4 2023 | 5.67% | 1.54% | 4.12% | 6.29% | 2.66% |
| Q1 2024 | 5.60% | 1.72% | 3.90% | 6.32% | 1.87% |
| Q2 2024 | 5.72% | 1.90% | 3.81% | 6.42% | 1.85% |
| Q3 2024 | 6.04% | 2.01% | 4.03% | 6.78% | 1.88% |
| Q4 2024 | 6.21% | 1.91% | 4.30% | 6.90% | 1.99% |
| Q1 2025 | 6.02% | 1.94% | 4.07% | 6.67% | 2.09% |
| Q2 2025 | 6.36% | 1.93% | 4.40% | 7.05% | 2.15% |
| Q3 2025 | 6.35% | 1.91% | 4.43% | 7.06% | 2.38% |
| Q4 2025 | 6.55% | 1.88% | 4.69% | 7.18% | 2.77% |
| Q1 2026 | 6.41% | 1.74% | 4.68% | 7.04% | 2.84% |
| Q2 2026 | 6.70% | 1.78% | 4.93% | 7.31% | 2.90% |
Woodland 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 Woodland 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 Woodland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8863) · FFIEC NIC profile (RSSD 788652)