The Bank of Deerfield: 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 Yield on securities, which rose 0.42 percentage points to 4.53%. The Bank of Deerfield ranks 48th of 153 Wisconsin banks on net interest margin, in the upper half at 4.12% (Q2 2026). The Bank of Deerfield reported 4.12% on net interest margin for Q2 2026, 0.17 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.66% |
| Yield on loans | 6.91% |
| Yield on securities | 4.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 3.20% |
| Cost of interest-bearing liabilities | 3.24% |
| Cost of borrowings | 4.30% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
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 | 5.63% | 2.30% | 3.53% | 5.82% | 2.96% |
| Q4 2023 | 6.01% | 2.74% | 3.57% | 6.25% | 3.14% |
| Q1 2024 | 6.22% | 2.90% | 3.65% | 6.46% | 3.39% |
| Q2 2024 | 6.46% | 2.97% | 3.75% | 6.69% | 3.81% |
| Q3 2024 | 6.66% | 3.05% | 3.91% | 6.90% | 4.07% |
| Q4 2024 | 6.56% | 3.16% | 3.81% | 6.88% | 3.54% |
| Q1 2025 | 6.61% | 3.02% | 3.89% | 6.88% | 4.07% |
| Q2 2025 | 7.20% | 2.99% | 4.45% | 7.51% | 3.81% |
| Q3 2025 | 6.89% | 3.00% | 4.09% | 7.13% | 4.13% |
| Q4 2025 | 6.90% | 2.96% | 4.22% | 7.13% | 4.08% |
| Q1 2026 | 6.70% | 2.90% | 4.04% | 6.96% | 4.11% |
| Q2 2026 | 6.66% | 2.78% | 4.12% | 6.91% | 4.53% |
The Bank of Deerfield 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 Deerfield, 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 Deerfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2477) · FFIEC NIC profile (RSSD 588245)