Bristol Morgan 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 loans rose 0.38 percentage points in Q2 2026 to 7.07%, the biggest move on this page. Bristol Morgan Bank ranks 31st of 153 Wisconsin banks on net interest margin, in the upper half at 4.27% (Q2 2026). Bristol Morgan Bank reported 4.27% on net interest margin for Q2 2026, 0.32 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.54% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 2.78% |
| Cost of interest-bearing liabilities | 2.87% |
| Cost of borrowings | 3.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $911K |
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 |
|---|---|---|---|
| Q3 2023 | 5.57% | 1.62% | 3.84% |
| Q4 2023 | 4.99% | 1.58% | 3.27% |
| Q1 2024 | 5.54% | 1.66% | 3.73% |
| Q2 2024 | 5.80% | 1.77% | 3.90% |
| Q3 2024 | 5.86% | 2.13% | 3.66% |
| Q4 2024 | 6.16% | 1.94% | 4.08% |
| Q1 2025 | 5.99% | 2.00% | 3.93% |
| Q2 2025 | 6.27% | 2.09% | 4.14% |
| Q3 2025 | 6.47% | 2.15% | 4.28% |
| Q4 2025 | 6.73% | 2.13% | 4.51% |
| Q1 2026 | 6.32% | 2.08% | 4.15% |
| Q2 2026 | 6.54% | 2.22% | 4.27% |
Bristol Morgan 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 Bristol Morgan 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 Bristol Morgan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9523) · FFIEC NIC profile (RSSD 807348)