Collins 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.
Cost of borrowings dropped 1.83 percentage points in Q2 2026, from 4.74% to 2.91%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Collins State Bank is 55th of 153 on net interest margin, 4.02% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Collins State Bank reported 4.02% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.01% |
| Yield on loans | 6.34% |
| Yield on securities | 3.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.56% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | 2.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
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 | 5.26% | 1.67% | 3.65% | 5.57% | 2.57% |
| Q4 2023 | 5.45% | 1.92% | 3.60% | 5.75% | 2.99% |
| Q1 2024 | 5.54% | 2.32% | 3.29% | 5.83% | 3.19% |
| Q2 2024 | 5.61% | 2.49% | 3.25% | 5.96% | 3.36% |
| Q3 2024 | 5.80% | 2.59% | 3.35% | 6.17% | 3.42% |
| Q4 2024 | 5.76% | 2.41% | 3.53% | 6.17% | 3.50% |
| Q1 2025 | 5.63% | 2.29% | 3.48% | 6.06% | 3.62% |
| Q2 2025 | 5.79% | 2.31% | 3.62% | 6.20% | 3.87% |
| Q3 2025 | 5.93% | 2.31% | 3.76% | 6.32% | 4.22% |
| Q4 2025 | 5.89% | 2.27% | 3.77% | 6.36% | 4.19% |
| Q1 2026 | 5.75% | 2.16% | 3.72% | 6.23% | 3.99% |
| Q2 2026 | 6.01% | 2.12% | 4.02% | 6.34% | 3.80% |
Collins 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 Collins 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 Collins State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14914) · FFIEC NIC profile (RSSD 219044)