Cumberland Federal Bank, FSB: 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.
In Q2 2026, Total interest expense edged up by 2.5%, from $2.2M to $2.3M, the largest move among the key lines here. Cumberland Federal Bank, FSB ranks 132nd of 153 Wisconsin banks on net interest margin, in the lower half at 3.20% (Q2 2026). Cumberland Federal Bank, FSB reported 3.20% on net interest margin for Q2 2026, 0.75 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 6.47% |
| Yield on securities | 5.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.96% |
| Cost of interest-bearing deposits | 2.99% |
| Cost of interest-bearing liabilities | 3.13% |
| Cost of borrowings | 3.27% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.20% |
| Yield to cost spread | 2.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.0M |
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% | 3.40% | 2.02% | 5.19% | 5.29% |
| Q4 2023 | 5.53% | 3.15% | 2.48% | 5.53% | 5.53% |
| Q1 2024 | 5.64% | 3.46% | 2.32% | 5.67% | 5.61% |
| Q2 2024 | 5.69% | 3.43% | 2.44% | 5.72% | 5.68% |
| Q3 2024 | 5.98% | 3.59% | 2.58% | 6.15% | 5.84% |
| Q4 2024 | 5.99% | 3.36% | 2.81% | 6.24% | 5.74% |
| Q1 2025 | 5.90% | 3.25% | 2.82% | 6.18% | 5.63% |
| Q2 2025 | 6.02% | 3.20% | 2.99% | 6.37% | 5.62% |
| Q3 2025 | 6.12% | 3.24% | 3.04% | 6.50% | 5.69% |
| Q4 2025 | 6.06% | 3.11% | 3.14% | 6.56% | 5.54% |
| Q1 2026 | 5.81% | 2.95% | 3.09% | 6.40% | 5.16% |
| Q2 2026 | 5.93% | 2.96% | 3.20% | 6.47% | 5.33% |
Cumberland Federal Bank, FSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Federal Bank, FSB, 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 Cumberland Federal Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29293) · FFIEC NIC profile (RSSD 28675)