Bluff View 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 standout move of Q2 2026 was in Yield on securities: 1.37 percentage points higher than in Q1 2026, at 4.93%. On net interest margin, Bluff View Bank ranks 14th highest among the 153 banks headquartered in Wisconsin, at 4.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bluff View Bank sits 0.66 points higher, at 4.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.11% |
| Yield on loans | 6.66% |
| Yield on securities | 4.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 3.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.61% |
| Yield to cost spread | 3.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $558K |
| Interest expense on deposits | $460K |
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 | 4.88% | 1.54% | 3.52% | 5.64% | 3.48% |
| Q4 2023 | 4.99% | 1.72% | 3.51% | 5.76% | 3.49% |
| Q1 2024 | 5.11% | 1.62% | 3.54% | 5.95% | 3.51% |
| Q2 2024 | 5.28% | 1.81% | 3.69% | 6.14% | 3.55% |
| Q3 2024 | 5.51% | 2.14% | 3.59% | 6.39% | 3.58% |
| Q4 2024 | 5.50% | 2.14% | 3.62% | 6.44% | 3.63% |
| Q1 2025 | 5.42% | 1.96% | 3.66% | 6.28% | 3.78% |
| Q2 2025 | 5.59% | 1.99% | 3.80% | 6.45% | 3.92% |
| Q3 2025 | 5.75% | 1.97% | 3.99% | 6.70% | 3.98% |
| Q4 2025 | 5.91% | 1.99% | 4.25% | 6.83% | 4.06% |
| Q1 2026 | 5.61% | 1.71% | 4.10% | 6.53% | 3.56% |
| Q2 2026 | 6.11% | 1.70% | 4.61% | 6.66% | 4.93% |
Bluff View 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 Bluff View 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 Bluff View Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8693) · FFIEC NIC profile (RSSD 167453)