Badger 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 standout move of Q2 2026 was in Net interest margin: 0.52 percentage points higher than in Q1 2026, at 4.04%. Badger Bank ranks 54th of 153 Wisconsin banks on net interest margin, in the upper half at 4.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; Badger Bank reported 4.04% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 6.53% |
| Yield on securities | 2.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.46% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.84% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $661K |
| Interest expense on deposits | $559K |
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 | 4.17% | 1.11% | 3.14% | 5.30% | 2.00% |
| Q4 2023 | 4.47% | 1.36% | 3.20% | 5.54% | 1.94% |
| Q1 2024 | 4.47% | 1.84% | 2.76% | 5.57% | 1.98% |
| Q2 2024 | 4.46% | 1.78% | 2.80% | 5.53% | 1.99% |
| Q3 2024 | 4.62% | 1.90% | 2.85% | 5.72% | 2.04% |
| Q4 2024 | 5.07% | 1.74% | 3.47% | 6.26% | 2.06% |
| Q1 2025 | 4.82% | 1.57% | 3.36% | 6.00% | 2.11% |
| Q2 2025 | 4.89% | 1.54% | 3.45% | 6.04% | 2.14% |
| Q3 2025 | 5.18% | 1.59% | 3.73% | 6.41% | 2.18% |
| Q4 2025 | 5.12% | 1.52% | 3.73% | 6.25% | 2.28% |
| Q1 2026 | 4.93% | 1.53% | 3.52% | 6.01% | 2.37% |
| Q2 2026 | 5.37% | 1.46% | 4.04% | 6.53% | 2.45% |
Badger 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 Badger 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 Badger Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2469) · FFIEC NIC profile (RSSD 846945)