Bank of Sun Prairie: 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 standout move of Q2 2026 was in Net interest margin: 0.96 percentage points higher than in Q1 2026, at 3.51%. Within Wisconsin, Bank of Sun Prairie is 114th of 153 on net interest margin, 3.51% as of Q2 2026, below the middle of the field. Bank of Sun Prairie reported 3.51% on net interest margin for Q2 2026, 0.44 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.72% |
| Yield on loans | 5.69% |
| Yield on securities | 5.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.45% |
| Cost of interest-bearing deposits | 3.00% |
| Cost of interest-bearing liabilities | 3.02% |
| Cost of borrowings | 3.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.5M |
| Total interest expense | $4.5M |
| Interest expense on deposits | $4.2M |
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 | 4.82% | 2.58% | 2.45% | 4.82% | 4.58% |
| Q4 2023 | 5.00% | 2.82% | 2.42% | 4.99% | 4.80% |
| Q1 2024 | 5.00% | 3.07% | 2.16% | 4.94% | 5.36% |
| Q2 2024 | 5.06% | 3.20% | 2.15% | 5.07% | 4.88% |
| Q3 2024 | 5.10% | 3.35% | 2.04% | 5.07% | 5.09% |
| Q4 2024 | 4.87% | 3.14% | 2.00% | 4.86% | 4.86% |
| Q1 2025 | 4.79% | 2.92% | 2.14% | 4.81% | 4.76% |
| Q2 2025 | 4.90% | 2.75% | 2.40% | 4.95% | 4.62% |
| Q3 2025 | 4.98% | 2.60% | 2.61% | 5.04% | 4.66% |
| Q4 2025 | 4.94% | 2.53% | 2.66% | 5.06% | 4.51% |
| Q1 2026 | 4.84% | 2.50% | 2.55% | 4.98% | 4.43% |
| Q2 2026 | 5.72% | 2.45% | 3.51% | 5.69% | 5.42% |
Bank of Sun Prairie 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 Sun Prairie, 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 Sun Prairie profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13565) · FFIEC NIC profile (RSSD 124344)