Bank of Wolcott: 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.
Total interest expense rose 6.8% from Q1 2026 to Q2 2026, ending at $1.2M against $1.1M. It was the largest change among the key lines on this page. Bank of Wolcott ranks 62nd of 87 Indiana banks on net interest margin, in the lower half at 3.46% (Q2 2026). Bank of Wolcott reported 3.46% on net interest margin for Q2 2026, 0.49 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.17% |
| Yield on loans | 6.53% |
| Yield on securities | 3.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.46% |
| Yield to cost spread | 2.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.1M |
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 | 4.48% | 1.76% | 3.06% | 5.90% | 2.61% |
| Q4 2023 | 4.68% | 1.91% | 3.17% | 6.08% | 2.75% |
| Q1 2024 | 4.71% | 1.58% | 3.24% | 6.20% | 2.82% |
| Q2 2024 | 4.83% | 1.80% | 3.15% | 6.19% | 2.84% |
| Q3 2024 | 4.88% | 1.80% | 3.22% | 6.31% | 2.94% |
| Q4 2024 | 4.89% | 1.77% | 3.27% | 6.27% | 2.98% |
| Q1 2025 | 4.88% | 1.70% | 3.33% | 6.23% | 3.02% |
| Q2 2025 | 4.99% | 1.72% | 3.41% | 6.40% | 3.09% |
| Q3 2025 | 5.05% | 1.88% | 3.34% | 6.43% | 3.25% |
| Q4 2025 | 5.09% | 1.88% | 3.37% | 6.39% | 3.37% |
| Q1 2026 | 5.04% | 1.82% | 3.38% | 6.28% | 3.39% |
| Q2 2026 | 5.17% | 1.88% | 3.46% | 6.53% | 3.47% |
Bank of Wolcott 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 Wolcott, 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 Wolcott profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16201) · FFIEC NIC profile (RSSD 729842)