Bank of Wisconsin Dells: 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 0.38 percentage points to 3.90%. Bank of Wisconsin Dells ranks 89th of 153 Wisconsin banks on net interest margin, in the lower half at 3.70% (Q2 2026). At 3.70%, Bank of Wisconsin Dells's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.52% |
| Cost of interest-bearing deposits | 2.87% |
| Cost of interest-bearing liabilities | 2.99% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.0M |
| Total interest expense | $6.0M |
| Interest expense on deposits | $5.6M |
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 |
|---|---|---|---|
| Q3 2023 | 4.84% | 2.62% | 2.47% |
| Q4 2023 | 5.11% | 2.84% | 2.54% |
| Q1 2024 | 5.16% | 2.98% | 2.47% |
| Q2 2024 | 5.41% | 3.00% | 2.70% |
| Q3 2024 | 5.61% | 3.02% | 2.93% |
| Q4 2024 | 5.70% | 2.85% | 3.18% |
| Q1 2025 | 5.62% | 2.68% | 3.18% |
| Q2 2025 | 5.92% | 2.68% | 3.48% |
| Q3 2025 | 6.13% | 2.64% | 3.76% |
| Q4 2025 | 6.15% | 2.58% | 3.83% |
| Q1 2026 | 5.94% | 2.49% | 3.67% |
| Q2 2026 | 5.99% | 2.52% | 3.70% |
Bank of Wisconsin Dells 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 Wisconsin Dells, 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 Wisconsin Dells profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15136) · FFIEC NIC profile (RSSD 894348)