Bonduel 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.19 percentage points to 3.60%. Bonduel State Bank ranks 100th of 153 Wisconsin banks on net interest margin, in the lower half at 3.60% (Q2 2026). Bonduel State Bank reported 3.60% on net interest margin for Q2 2026, 0.35 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 6.43% |
| Yield on securities | 3.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.80% |
| Cost of interest-bearing liabilities | 2.80% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $609K |
| Interest expense on deposits | $609K |
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 | 3.96% | 1.56% | 2.53% | 5.00% | 2.24% |
| Q4 2023 | 4.35% | 1.88% | 2.58% | 5.28% | 2.44% |
| Q1 2024 | 4.90% | 2.16% | 2.80% | 5.54% | 2.45% |
| Q2 2024 | 4.85% | 2.28% | 2.77% | 5.81% | 2.54% |
| Q3 2024 | 5.27% | 2.38% | 3.07% | 6.10% | 2.51% |
| Q4 2024 | 5.29% | 2.43% | 3.05% | 6.13% | 2.57% |
| Q1 2025 | 5.20% | 2.28% | 3.10% | 6.05% | 2.58% |
| Q2 2025 | 5.38% | 2.28% | 3.28% | 6.19% | 2.85% |
| Q3 2025 | 5.59% | 2.34% | 3.44% | 6.50% | 2.98% |
| Q4 2025 | 5.62% | 2.24% | 3.55% | 6.46% | 3.03% |
| Q1 2026 | 5.41% | 2.13% | 3.41% | 6.19% | 3.02% |
| Q2 2026 | 5.59% | 2.15% | 3.60% | 6.43% | 3.22% |
Bonduel 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 Bonduel 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 Bonduel State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11235) · FFIEC NIC profile (RSSD 35646)