Alliance 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.15 percentage points to 4.44%. Within Wisconsin, Alliance Bank is 20th of 153 on net interest margin, 4.44% as of Q2 2026, above the middle of the field. Alliance Bank reported 4.44% on net interest margin for Q2 2026, 0.49 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.10% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | 2.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.44% |
| Yield to cost spread | 4.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $900K |
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 | 4.07% | 1.61% | 2.56% |
| Q4 2023 | 4.41% | 1.78% | 2.76% |
| Q1 2024 | 4.57% | 1.92% | 2.79% |
| Q2 2024 | 4.81% | 2.03% | 2.93% |
| Q3 2024 | 5.01% | 2.10% | 3.07% |
| Q4 2024 | 5.22% | 1.93% | 3.44% |
| Q1 2025 | 5.34% | 1.86% | 3.61% |
| Q2 2025 | 5.64% | 1.90% | 3.88% |
| Q3 2025 | 5.89% | 1.93% | 4.10% |
| Q4 2025 | 6.05% | 1.90% | 4.29% |
| Q1 2026 | 5.98% | 1.81% | 4.29% |
| Q2 2026 | 6.10% | 1.81% | 4.44% |
Alliance 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 Alliance 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 Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12511) · FFIEC NIC profile (RSSD 21658)