Bank CMG: 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: 10.1% higher than in Q1 2026, at $4.0M. Bank CMG ranks 26th of 153 Wisconsin banks on net interest margin, in the upper half at 4.32% (Q2 2026). Bank CMG reported 4.32% on net interest margin for Q2 2026, 0.61 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.09% |
| Yield on loans | 6.64% |
| Yield on securities | 2.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.14% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | 3.32% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.32% |
| Yield to cost spread | 3.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.3M |
| Total interest expense | $4.0M |
| Interest expense on deposits | $3.7M |
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 | 6.16% | 2.23% | 4.11% | 6.59% | 2.13% |
| Q4 2023 | 6.16% | 2.49% | 3.90% | 6.58% | 2.15% |
| Q1 2024 | 5.99% | 2.64% | 3.55% | 6.43% | 2.15% |
| Q2 2024 | 6.06% | 2.64% | 3.63% | 6.54% | 2.15% |
| Q3 2024 | 6.22% | 2.61% | 3.81% | 6.75% | 2.17% |
| Q4 2024 | 6.20% | 2.63% | 3.79% | 6.89% | 2.43% |
| Q1 2025 | 5.87% | 2.44% | 3.60% | 6.37% | 2.42% |
| Q2 2025 | 6.06% | 2.45% | 3.75% | 6.67% | 2.44% |
| Q3 2025 | 6.04% | 2.39% | 3.78% | 6.58% | 2.37% |
| Q4 2025 | 5.82% | 2.08% | 3.89% | 6.65% | 2.44% |
| Q1 2026 | 6.04% | 1.84% | 4.32% | 6.79% | 2.29% |
| Q2 2026 | 6.09% | 1.80% | 4.32% | 6.64% | 2.41% |
Bank CMG yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank CMG, 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 Bank CMG profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11623) · FFIEC NIC profile (RSSD 576644)