Bank of Mauston: 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 Total interest expense, which fell 6.2% to $1.6M. Within Wisconsin, Bank of Mauston is 79th of 153 on net interest margin, 3.80% as of Q2 2026, below the middle of the field. Bank of Mauston reported 3.80% on net interest margin for Q2 2026, 0.15 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.41% |
| Yield on loans | 7.06% |
| Yield on securities | 2.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 4.12% | 1.83% | 2.53% | 5.77% | 1.79% |
| Q4 2023 | 4.33% | 2.03% | 2.57% | 6.09% | 1.80% |
| Q1 2024 | 4.52% | 2.23% | 2.53% | 6.29% | 1.78% |
| Q2 2024 | 4.65% | 2.25% | 2.68% | 6.48% | 1.79% |
| Q3 2024 | 4.84% | 2.32% | 2.80% | 6.68% | 1.82% |
| Q4 2024 | 4.94% | 2.22% | 3.09% | 6.96% | 1.59% |
| Q1 2025 | 5.03% | 2.01% | 3.24% | 6.93% | 1.88% |
| Q2 2025 | 5.25% | 1.86% | 3.61% | 7.26% | 1.90% |
| Q3 2025 | 5.39% | 1.97% | 3.64% | 7.24% | 1.94% |
| Q4 2025 | 5.23% | 2.44% | 3.09% | 7.29% | 1.55% |
| Q1 2026 | 5.23% | 1.90% | 3.52% | 6.95% | 2.16% |
| Q2 2026 | 5.41% | 1.82% | 3.80% | 7.06% | 2.43% |
Bank of Mauston 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 Mauston, 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 Mauston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12327) · FFIEC NIC profile (RSSD 601443)