Bank of Milton: 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 Cost of borrowings, which rose 0.63 percentage points to 5.06%. Within Wisconsin, Bank of Milton is 49th of 153 on net interest margin, 4.10% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Milton sits 0.15 points higher, at 4.10% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.87% |
| Yield on loans | 6.56% |
| Yield on securities | 3.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.91% |
| Cost of interest-bearing deposits | 2.14% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | 5.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $965K |
| Interest expense on deposits | $851K |
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 | 4.84% | 1.06% | 3.88% | 5.51% | 3.05% |
| Q4 2023 | 5.12% | 1.28% | 3.94% | 5.89% | 3.00% |
| Q1 2024 | 5.44% | 1.42% | 4.11% | 6.16% | 3.33% |
| Q2 2024 | 5.59% | 1.59% | 4.08% | 6.41% | 3.16% |
| Q3 2024 | 5.80% | 1.66% | 4.24% | 6.52% | 3.49% |
| Q4 2024 | 5.78% | 1.74% | 4.15% | 6.57% | 3.37% |
| Q1 2025 | 5.68% | 1.79% | 3.93% | 6.58% | 3.27% |
| Q2 2025 | 5.94% | 1.75% | 4.31% | 6.76% | 3.28% |
| Q3 2025 | 6.09% | 1.86% | 4.38% | 6.88% | 3.38% |
| Q4 2025 | 5.95% | 1.98% | 4.11% | 6.77% | 3.32% |
| Q1 2026 | 5.77% | 1.90% | 4.00% | 6.48% | 3.42% |
| Q2 2026 | 5.87% | 1.91% | 4.10% | 6.56% | 3.30% |
Bank of Milton 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 Milton, 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 Milton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11232) · FFIEC NIC profile (RSSD 426945)