Bankers' Bank: 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 Net interest margin, which rose 0.15 percentage points to 2.76%. Bankers' Bank has the 5th lowest net interest margin of the 153 banks headquartered in Wisconsin, at 2.76% as of Q2 2026. Bankers' Bank reported 2.76% on net interest margin for Q2 2026, 0.95 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.64% |
| Cost of interest-bearing deposits | 3.55% |
| Cost of interest-bearing liabilities | 3.57% |
| Cost of borrowings | 3.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.76% |
| Yield to cost spread | 1.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.7M |
| Total interest expense | $8.2M |
| Interest expense on deposits | $5.3M |
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 | 4.54% | 3.78% | 1.64% |
| Q4 2023 | 4.70% | 4.34% | 1.47% |
| Q1 2024 | 4.73% | 3.84% | 1.59% |
| Q2 2024 | 4.68% | 3.36% | 1.55% |
| Q3 2024 | 4.97% | 3.47% | 1.75% |
| Q4 2024 | 4.91% | 3.21% | 1.91% |
| Q1 2025 | 4.76% | 2.93% | 2.01% |
| Q2 2025 | 4.97% | 2.91% | 2.19% |
| Q3 2025 | 5.15% | 2.99% | 2.38% |
| Q4 2025 | 5.19% | 2.86% | 2.55% |
| Q1 2026 | 4.98% | 2.64% | 2.61% |
| Q2 2026 | 5.15% | 2.64% | 2.76% |
Bankers' Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankers' Bank, 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 Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23537) · FFIEC NIC profile (RSSD 408642)