Chippewa Valley 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, Net interest margin rose 0.20 percentage points in Q2 2026 to 4.13%, the biggest move on this page. Within Wisconsin, Chippewa Valley Bank is 46th of 153 on net interest margin, 4.13% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Chippewa Valley Bank sits 0.19 points higher, at 4.13% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.87% |
| Yield on loans | 6.53% |
| Yield on securities | 3.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 1.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.13% |
| Yield to cost spread | 3.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.6M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $2.7M |
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 | 5.97% | 0.94% | 5.00% | 6.83% | 3.12% |
| Q4 2023 | 6.14% | 1.52% | 4.59% | 6.98% | 3.62% |
| Q1 2024 | 6.62% | 1.68% | 4.86% | 7.31% | 4.05% |
| Q2 2024 | 6.43% | 1.83% | 4.53% | 7.06% | 4.17% |
| Q3 2024 | 6.53% | 1.84% | 4.61% | 7.18% | 4.68% |
| Q4 2024 | 6.45% | 1.67% | 4.67% | 6.98% | 4.67% |
| Q1 2025 | 6.03% | 1.97% | 4.15% | 6.65% | 4.54% |
| Q2 2025 | 6.26% | 1.89% | 4.50% | 6.86% | 4.49% |
| Q3 2025 | 6.14% | 2.03% | 4.25% | 6.90% | 4.32% |
| Q4 2025 | 6.05% | 1.91% | 4.27% | 6.70% | 4.21% |
| Q1 2026 | 5.68% | 1.90% | 3.93% | 6.43% | 4.01% |
| Q2 2026 | 5.87% | 1.90% | 4.13% | 6.53% | 3.99% |
Chippewa Valley 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 Chippewa Valley 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 Chippewa Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12322) · FFIEC NIC profile (RSSD 779650)