Baraboo State 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.
Total interest expense fell 6.5% from Q1 2026 to Q2 2026, ending at $2.2M against $2.3M. It was the largest change among the key lines on this page. Within Wisconsin, Baraboo State Bank is 104th of 153 on net interest margin, 3.56% as of Q2 2026. Baraboo State Bank reported 3.56% on net interest margin for Q2 2026, 0.38 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | 5.92% |
| Yield on securities | 4.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 2.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.1M |
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% | 1.30% | 3.28% | 5.07% | 3.11% |
| Q4 2023 | 4.66% | 1.51% | 3.27% | 5.24% | 3.31% |
| Q1 2024 | 4.78% | 1.63% | 3.29% | 5.33% | 3.59% |
| Q2 2024 | 4.94% | 1.71% | 3.39% | 5.57% | 3.62% |
| Q3 2024 | 5.00% | 1.84% | 3.33% | 5.69% | 3.76% |
| Q4 2024 | 4.89% | 1.90% | 3.16% | 5.62% | 3.91% |
| Q1 2025 | 4.90% | 1.87% | 3.18% | 5.53% | 4.01% |
| Q2 2025 | 5.13% | 1.87% | 3.43% | 5.88% | 4.21% |
| Q3 2025 | 5.19% | 1.87% | 3.48% | 6.08% | 4.15% |
| Q4 2025 | 5.03% | 1.89% | 3.31% | 6.01% | 4.07% |
| Q1 2026 | 5.06% | 1.80% | 3.41% | 5.84% | 4.22% |
| Q2 2026 | 5.15% | 1.73% | 3.56% | 5.92% | 4.22% |
Baraboo State 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 Baraboo State 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 Baraboo State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12788) · FFIEC NIC profile (RSSD 24949)