Cleveland 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 standout move of Q2 2026 was in Net interest margin: 0.49 percentage points lower than in Q1 2026, at 3.73%. Cleveland State Bank ranks 85th of 153 Wisconsin banks on net interest margin, in the lower half at 3.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Cleveland State Bank sits 0.22 points lower, at 3.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | 6.45% |
| Yield on securities | 3.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 2.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $870K |
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 | 4.65% | 1.65% | 3.06% | 5.63% | 2.17% |
| Q4 2023 | 4.84% | 1.79% | 3.17% | 5.85% | 2.18% |
| Q1 2024 | 5.02% | 2.08% | 3.02% | 5.96% | 2.33% |
| Q2 2024 | 5.24% | 2.20% | 3.14% | 6.20% | 2.40% |
| Q3 2024 | 5.44% | 2.21% | 3.34% | 6.47% | 2.42% |
| Q4 2024 | 5.41% | 2.25% | 3.32% | 6.42% | 2.51% |
| Q1 2025 | 5.31% | 2.20% | 3.23% | 6.34% | 2.65% |
| Q2 2025 | 5.62% | 2.12% | 3.62% | 6.67% | 2.68% |
| Q3 2025 | 5.58% | 2.05% | 3.67% | 6.57% | 2.82% |
| Q4 2025 | 5.49% | 1.98% | 3.68% | 6.54% | 2.81% |
| Q1 2026 | 5.95% | 1.82% | 4.22% | 7.04% | 3.10% |
| Q2 2026 | 5.43% | 1.82% | 3.73% | 6.45% | 3.07% |
Cleveland 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 Cleveland 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 Cleveland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9517) · FFIEC NIC profile (RSSD 48440)