Clare Bank, N.A.: 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 fell 7.1% from Q1 2026 to Q2 2026, ending at $1.3M against $1.4M. It was the largest change among the key lines on this page. Clare Bank, N.A. has the 3rd lowest net interest margin of the 153 banks headquartered in Wisconsin, at 2.49% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Clare Bank, N.A. sits 1.46 points lower, at 2.49% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.05% |
| Yield on loans | 5.76% |
| Yield on securities | 2.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.49% |
| Yield to cost spread | 1.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.1M |
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 | 2.91% | 1.90% | 1.20% | 4.58% | 1.66% |
| Q4 2023 | 2.96% | 2.02% | 1.14% | 4.71% | 1.58% |
| Q1 2024 | 3.11% | 2.08% | 1.24% | 4.93% | 1.62% |
| Q2 2024 | 3.20% | 2.10% | 1.32% | 5.06% | 1.63% |
| Q3 2024 | 3.43% | 2.20% | 1.44% | 5.41% | 1.67% |
| Q4 2024 | 3.55% | 2.03% | 1.72% | 5.52% | 1.75% |
| Q1 2025 | 3.62% | 1.93% | 1.88% | 5.62% | 1.72% |
| Q2 2025 | 3.70% | 1.86% | 2.04% | 5.72% | 1.74% |
| Q3 2025 | 3.83% | 1.85% | 2.17% | 5.82% | 1.83% |
| Q4 2025 | 3.96% | 1.82% | 2.34% | 5.89% | 1.92% |
| Q1 2026 | 3.94% | 1.81% | 2.32% | 5.75% | 2.03% |
| Q2 2026 | 4.05% | 1.75% | 2.49% | 5.76% | 2.15% |
Clare Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Clare Bank, N.A., 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 Clare Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1022) · FFIEC NIC profile (RSSD 988144)