The Bank of Brodhead: 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 0.16 percentage points to 3.24%. The Bank of Brodhead ranks 128th of 153 Wisconsin banks on net interest margin, in the lower half at 3.24% (Q2 2026). The Bank of Brodhead reported 3.24% on net interest margin for Q2 2026, 0.71 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.80% |
| Yield on loans | 6.26% |
| Yield on securities | 4.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.62% |
| Cost of interest-bearing deposits | 3.16% |
| Cost of interest-bearing liabilities | 3.21% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.24% |
| Yield to cost spread | 2.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.2M |
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 | 4.73% | 2.16% | 2.71% | 5.39% | 2.95% |
| Q4 2023 | 5.03% | 2.38% | 2.83% | 5.63% | 3.41% |
| Q1 2024 | 5.23% | 2.52% | 2.85% | 5.83% | 3.60% |
| Q2 2024 | 5.26% | 2.69% | 2.72% | 5.79% | 3.67% |
| Q3 2024 | 5.45% | 2.78% | 2.83% | 6.04% | 3.83% |
| Q4 2024 | 5.48% | 2.73% | 2.93% | 6.04% | 3.86% |
| Q1 2025 | 5.51% | 2.58% | 3.06% | 6.08% | 3.94% |
| Q2 2025 | 5.67% | 2.63% | 3.18% | 6.30% | 3.92% |
| Q3 2025 | 5.88% | 2.75% | 3.24% | 6.49% | 4.10% |
| Q4 2025 | 5.46% | 2.71% | 2.86% | 5.95% | 4.10% |
| Q1 2026 | 5.63% | 2.62% | 3.08% | 6.10% | 4.15% |
| Q2 2026 | 5.80% | 2.62% | 3.24% | 6.26% | 4.20% |
The Bank of Brodhead yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Brodhead, 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 The Bank of Brodhead profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2455) · FFIEC NIC profile (RSSD 517441)