Black River Country 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 biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged up 0.21 percentage points between Q1 2026 and Q2 2026, to 0.21%. Within Wisconsin, Black River Country Bank is 69th of 153 on net interest margin, 3.90% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Black River Country Bank reported 3.90% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 6.27% |
| Yield on securities | 2.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | 0.21% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.90% |
| Yield to cost spread | 3.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $383K |
| Interest expense on deposits | $379K |
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 | 4.79% | 1.76% | 3.28% | 5.52% | 1.84% |
| Q4 2023 | 4.94% | 1.95% | 3.29% | 5.78% | 1.91% |
| Q1 2024 | 5.07% | 2.15% | 3.20% | 5.86% | 1.91% |
| Q2 2024 | 5.16% | 2.27% | 3.23% | 5.98% | 1.98% |
| Q3 2024 | 5.30% | 2.29% | 3.38% | 6.12% | 1.90% |
| Q4 2024 | 5.34% | 2.06% | 3.59% | 6.24% | 1.93% |
| Q1 2025 | 5.30% | 1.81% | 3.70% | 6.12% | 1.98% |
| Q2 2025 | 5.34% | 1.72% | 3.89% | 6.16% | 2.24% |
| Q3 2025 | 5.52% | 1.75% | 4.00% | 6.31% | 2.30% |
| Q4 2025 | 5.58% | 1.71% | 4.08% | 6.45% | 2.32% |
| Q1 2026 | 5.44% | 1.57% | 3.94% | 6.23% | 2.43% |
| Q2 2026 | 5.38% | 1.62% | 3.90% | 6.27% | 2.56% |
Black River Country 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 Black River Country 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 Black River Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15152) · FFIEC NIC profile (RSSD 603540)