Bank of Ontario: 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.
Compared with Q1 2026, Net interest margin rose 0.30 percentage points in Q2 2026 to 5.06%, the biggest move on this page. On net interest margin, Bank of Ontario ranks 6th highest among the 153 banks headquartered in Wisconsin, at 5.06% (Q2 2026). Bank of Ontario reported 5.06% on net interest margin for Q2 2026, 1.17 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.86% |
| Yield on loans | 7.58% |
| Yield on securities | 3.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.06% |
| Yield to cost spread | 4.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $354K |
| Interest expense on deposits | $340K |
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 | 7.13% | 2.44% | 5.09% | 7.50% | 2.92% |
| Q4 2023 | 7.11% | 2.63% | 4.92% | 7.47% | 3.07% |
| Q1 2024 | 7.27% | 2.84% | 4.88% | 7.70% | 3.11% |
| Q2 2024 | 7.45% | 2.79% | 5.11% | 7.92% | 2.80% |
| Q3 2024 | 8.08% | 2.99% | 5.55% | 8.49% | 5.07% |
| Q4 2024 | 8.04% | 2.79% | 5.63% | 8.57% | 3.18% |
| Q1 2025 | 7.38% | 2.56% | 5.13% | 7.85% | 3.20% |
| Q2 2025 | 6.79% | 2.37% | 4.68% | 7.19% | 3.01% |
| Q3 2025 | 7.25% | 2.40% | 5.19% | 7.90% | 3.32% |
| Q4 2025 | 6.98% | 2.31% | 5.03% | 7.53% | 3.37% |
| Q1 2026 | 6.67% | 2.24% | 4.76% | 7.35% | 3.51% |
| Q2 2026 | 6.86% | 2.08% | 5.06% | 7.58% | 3.71% |
Bank of Ontario 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 Ontario, 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 Ontario profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21085) · FFIEC NIC profile (RSSD 37341)