BLC Community 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.
Compared with Q1 2026, Yield on securities rose 0.67 percentage points in Q2 2026 to 3.10%, the biggest move on this page. Within Wisconsin, BLC Community Bank is 121st of 153 on net interest margin, 3.35% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. BLC Community Bank sits 0.59 points lower, at 3.35% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.15% |
| Yield on securities | 3.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.59% |
| Cost of interest-bearing deposits | 2.90% |
| Cost of interest-bearing liabilities | 3.02% |
| Cost of borrowings | 3.68% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.35% |
| Yield to cost spread | 2.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.0M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.3M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.80% | 2.89% | 2.17% | 5.32% | 2.25% |
| Q4 2023 | 4.90% | 3.04% | 2.15% | 5.40% | 2.21% |
| Q1 2024 | 4.94% | 3.09% | 2.15% | 5.50% | 2.35% |
| Q2 2024 | 5.13% | 3.18% | 2.24% | 5.70% | 2.27% |
| Q3 2024 | 5.31% | 3.34% | 2.27% | 5.91% | 2.22% |
| Q4 2024 | 5.23% | 3.03% | 2.47% | 5.80% | 2.22% |
| Q1 2025 | 5.21% | 2.78% | 2.65% | 5.72% | 2.18% |
| Q2 2025 | 5.40% | 2.85% | 2.74% | 5.83% | 1.65% |
| Q3 2025 | 5.69% | 2.66% | 3.15% | 6.02% | 2.06% |
| Q4 2025 | 5.72% | 2.88% | 2.95% | 5.99% | 2.22% |
| Q1 2026 | 5.51% | 2.55% | 3.13% | 5.88% | 2.43% |
| Q2 2026 | 5.75% | 2.59% | 3.35% | 6.15% | 3.10% |
BLC Community 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 BLC Community 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 BLC Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11608) · FFIEC NIC profile (RSSD 578741)