Bank of Cashton: 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.
Cost of borrowings dropped 0.80 percentage points in Q2 2026, from 4.69% to 3.89%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Bank of Cashton is 83rd of 153 on net interest margin, 3.78% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Cashton sits 0.17 points lower, at 3.78% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.77% |
| Yield on loans | 6.68% |
| Yield on securities | 2.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.00% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $647K |
| Interest expense on deposits | $613K |
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 | 5.01% | 1.78% | 3.23% | 6.29% | 2.00% |
| Q4 2023 | 5.11% | 1.98% | 3.15% | 6.35% | 2.02% |
| Q1 2024 | 5.18% | 2.03% | 3.17% | 6.40% | 2.00% |
| Q2 2024 | 5.27% | 2.23% | 3.08% | 6.49% | 2.00% |
| Q3 2024 | 5.41% | 2.32% | 3.12% | 6.66% | 1.99% |
| Q4 2024 | 5.38% | 2.32% | 3.08% | 6.54% | 1.96% |
| Q1 2025 | 5.35% | 2.23% | 3.14% | 6.48% | 1.94% |
| Q2 2025 | 5.62% | 2.27% | 3.37% | 6.75% | 1.91% |
| Q3 2025 | 5.71% | 2.25% | 3.52% | 6.78% | 1.91% |
| Q4 2025 | 5.76% | 2.18% | 3.61% | 6.77% | 1.94% |
| Q1 2026 | 5.55% | 1.98% | 3.61% | 6.60% | 2.09% |
| Q2 2026 | 5.77% | 2.00% | 3.78% | 6.68% | 2.19% |
Bank of Cashton 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 of Cashton, 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 of Cashton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12325) · FFIEC NIC profile (RSSD 458946)