Woodlands National 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, Cost of borrowings fell 0.40 percentage points in Q2 2026 to 3.20%, the biggest move on this page. Woodlands National Bank ranks 198th of 221 Minnesota banks on net interest margin, in the lower half at 3.15% (Q2 2026). Woodlands National Bank reported 3.15% on net interest margin for Q2 2026, 0.80 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.50% |
| Yield on loans | 6.75% |
| Yield on securities | 2.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 1.68% |
| Cost of interest-bearing liabilities | 1.69% |
| Cost of borrowings | 3.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| 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 | 4.04% | 1.09% | 3.05% | 6.13% | 2.16% |
| Q4 2023 | 4.13% | 1.16% | 3.07% | 6.22% | 2.14% |
| Q1 2024 | 4.16% | 1.32% | 2.99% | 6.25% | 2.15% |
| Q2 2024 | 4.30% | 1.48% | 3.02% | 6.49% | 1.95% |
| Q3 2024 | 4.35% | 1.62% | 2.83% | 6.45% | 2.13% |
| Q4 2024 | 4.51% | 1.50% | 3.10% | 6.48% | 2.13% |
| Q1 2025 | 4.20% | 1.51% | 2.81% | 6.35% | 2.16% |
| Q2 2025 | 4.46% | 1.54% | 3.05% | 6.68% | 2.24% |
| Q3 2025 | 4.43% | 1.51% | 3.04% | 6.68% | 2.38% |
| Q4 2025 | 4.46% | 1.47% | 3.13% | 6.71% | 2.50% |
| Q1 2026 | 4.37% | 1.51% | 3.00% | 6.67% | 2.59% |
| Q2 2026 | 4.50% | 1.48% | 3.15% | 6.75% | 2.71% |
Woodlands National 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 Woodlands National 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 Woodlands National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1417) · FFIEC NIC profile (RSSD 980951)