Bank Five Nine: 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.
Net interest margin rose 0.33 percentage points from Q1 2026 to Q2 2026, ending at 3.64% against 3.31%. It was the largest change among the key lines on this page. Within Wisconsin, Bank Five Nine is 96th of 153 on net interest margin, 3.64% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Bank Five Nine reported 3.64% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.56% |
| Yield on loans | 7.22% |
| Yield on securities | 3.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.86% |
| Cost of interest-bearing deposits | 3.49% |
| Cost of interest-bearing liabilities | 3.52% |
| Cost of borrowings | 3.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $37.1M |
| Total interest expense | $18.2M |
| Interest expense on deposits | $16.7M |
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 | 5.54% | 2.30% | 3.18% | 6.20% | 1.73% |
| Q4 2023 | 5.72% | 2.67% | 3.01% | 6.34% | 1.90% |
| Q1 2024 | 5.85% | 2.96% | 2.85% | 6.45% | 2.20% |
| Q2 2024 | 6.09% | 3.09% | 2.97% | 6.68% | 2.34% |
| Q3 2024 | 6.35% | 3.22% | 3.12% | 6.98% | 2.39% |
| Q4 2024 | 6.41% | 3.29% | 3.12% | 7.03% | 2.49% |
| Q1 2025 | 6.26% | 3.34% | 2.93% | 6.95% | 2.59% |
| Q2 2025 | 6.34% | 3.41% | 3.00% | 7.26% | 2.72% |
| Q3 2025 | 6.33% | 3.40% | 3.04% | 7.39% | 2.95% |
| Q4 2025 | 6.60% | 3.28% | 3.34% | 7.37% | 2.95% |
| Q1 2026 | 6.36% | 3.08% | 3.31% | 7.04% | 3.41% |
| Q2 2026 | 6.56% | 2.86% | 3.64% | 7.22% | 3.24% |
Bank Five Nine 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 Five Nine, 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 Five Nine profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12517) · FFIEC NIC profile (RSSD 806846)