Conservation First 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.
Net interest margin rose 0.28 percentage points from Q1 2026 to Q2 2026, ending at 4.84% against 4.56%. It was the largest change among the key lines on this page. Among 153 Wisconsin banks, Conservation First Bank sits 7th from the top on net interest margin, 4.84% as of Q2 2026. Conservation First Bank reported 4.84% on net interest margin for Q2 2026, 0.90 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.09% |
| Yield on loans | 7.54% |
| Yield on securities | 3.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.57% |
| Cost of interest-bearing deposits | 2.75% |
| Cost of interest-bearing liabilities | 2.97% |
| Cost of borrowings | 6.10% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.84% |
| Yield to cost spread | 4.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $676K |
| Interest expense on deposits | $581K |
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 | 4.02% | 1.65% | 3.09% | 6.34% | 1.85% |
| Q4 2023 | 6.64% | 1.67% | 5.09% | 6.90% | 1.55% |
| Q1 2024 | 6.81% | 1.95% | 5.11% | 7.07% | 1.43% |
| Q2 2024 | 7.08% | 2.25% | 5.23% | 7.45% | 1.84% |
| Q3 2024 | 7.34% | 2.71% | 5.17% | 7.65% | 2.13% |
| Q4 2024 | 6.80% | 2.55% | 4.77% | 7.18% | 2.20% |
| Q1 2025 | 6.92% | 2.91% | 4.74% | 7.25% | 2.18% |
| Q2 2025 | 6.98% | 2.98% | 4.80% | 7.28% | 2.36% |
| Q3 2025 | 6.94% | 3.13% | 4.66% | 7.25% | 2.25% |
| Q4 2025 | 7.15% | 3.19% | 4.85% | 7.70% | 3.06% |
| Q1 2026 | 6.85% | 2.66% | 4.56% | 7.26% | 3.40% |
| Q2 2026 | 7.09% | 2.57% | 4.84% | 7.54% | 3.77% |
Conservation First 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 Conservation First 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 Conservation First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14316) · FFIEC NIC profile (RSSD 208347)