Capitol 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.
Total interest expense dropped 13.5% in Q2 2026, from $3.1M to $2.7M. It was the largest change from Q1 2026 among the key lines here. Capitol Bank ranks 129th of 153 Wisconsin banks on net interest margin, in the lower half at 3.23% (Q2 2026). Capitol Bank reported 3.23% on net interest margin for Q2 2026, 0.72 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.17% |
| Yield on loans | 5.54% |
| Yield on securities | 3.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.23% |
| Yield to cost spread | 2.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.2M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.5M |
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 | 4.93% | 2.78% | 2.44% | 5.48% | 1.76% |
| Q4 2023 | 5.24% | 3.02% | 2.53% | 5.75% | 1.92% |
| Q1 2024 | 5.15% | 3.18% | 2.25% | 5.59% | 2.14% |
| Q2 2024 | 5.29% | 3.17% | 2.42% | 5.74% | 2.28% |
| Q3 2024 | 5.51% | 3.28% | 2.55% | 5.99% | 2.40% |
| Q4 2024 | 5.44% | 3.01% | 2.71% | 5.91% | 2.56% |
| Q1 2025 | 5.09% | 2.85% | 2.49% | 5.55% | 2.77% |
| Q2 2025 | 5.19% | 2.64% | 2.80% | 5.63% | 3.05% |
| Q3 2025 | 5.46% | 2.53% | 3.16% | 5.89% | 3.10% |
| Q4 2025 | 5.33% | 2.38% | 3.17% | 5.71% | 3.36% |
| Q1 2026 | 5.15% | 2.28% | 3.08% | 5.61% | 3.47% |
| Q2 2026 | 5.17% | 2.17% | 3.23% | 5.54% | 3.50% |
Capitol 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 Capitol 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 Capitol Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34074) · FFIEC NIC profile (RSSD 2339599)