Bank of Lake Mills: 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 climbed 0.67 percentage points in Q2 2026, from 6.09% to 6.76%. It was the largest change from Q1 2026 among the key lines here. Among 153 Wisconsin banks, Bank of Lake Mills sits 2nd from the top on net interest margin, 6.76% as of Q2 2026. Bank of Lake Mills's net interest margin of 6.76% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.81 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 9.44% |
| Yield on loans | 10.02% |
| Yield on securities | 3.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.95% |
| Cost of interest-bearing deposits | 3.18% |
| Cost of interest-bearing liabilities | 3.31% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.76% |
| Yield to cost spread | 6.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.7M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $2.9M |
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 | 6.25% | 2.28% | 4.15% | 6.92% | 2.75% |
| Q4 2023 | 5.90% | 2.28% | 3.84% | 6.52% | 2.80% |
| Q1 2024 | 6.39% | 2.97% | 3.62% | 6.86% | 3.14% |
| Q2 2024 | 6.55% | 2.86% | 3.96% | 7.17% | 2.92% |
| Q3 2024 | 6.70% | 3.08% | 3.90% | 7.31% | 2.88% |
| Q4 2024 | 7.41% | 3.20% | 4.50% | 8.01% | 2.93% |
| Q1 2025 | 8.15% | 3.22% | 5.19% | 8.72% | 2.90% |
| Q2 2025 | 8.09% | 3.07% | 5.31% | 8.83% | 2.96% |
| Q3 2025 | 8.13% | 3.04% | 5.36% | 8.77% | 2.98% |
| Q4 2025 | 7.81% | 3.01% | 5.13% | 8.37% | 3.10% |
| Q1 2026 | 8.74% | 3.00% | 6.09% | 9.24% | 3.19% |
| Q2 2026 | 9.44% | 2.95% | 6.76% | 10.02% | 3.61% |
Bank of Lake Mills 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 Lake Mills, 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 Lake Mills profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8695) · FFIEC NIC profile (RSSD 477349)