Dairy 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 4.7% to $3.2M. Dairy State Bank has the 12th lowest net interest margin of the 153 banks headquartered in Wisconsin, at 2.98% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Dairy State Bank sits 0.97 points lower, at 2.98% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.76% |
| Yield on loans | 6.29% |
| Yield on securities | 2.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.98% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 3.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.98% |
| Yield to cost spread | 2.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $3.1M |
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 | 3.66% | 1.78% | 2.09% | 5.21% | 2.51% |
| Q4 2023 | 3.79% | 2.01% | 2.10% | 5.42% | 2.65% |
| Q1 2024 | 4.22% | 2.23% | 2.19% | 5.64% | 2.65% |
| Q2 2024 | 4.34% | 2.35% | 2.20% | 5.79% | 2.69% |
| Q3 2024 | 4.52% | 2.48% | 2.25% | 6.01% | 2.80% |
| Q4 2024 | 4.49% | 2.48% | 2.23% | 6.00% | 2.82% |
| Q1 2025 | 4.43% | 2.15% | 2.46% | 5.93% | 2.85% |
| Q2 2025 | 4.56% | 2.18% | 2.58% | 6.19% | 2.83% |
| Q3 2025 | 4.71% | 2.17% | 2.76% | 6.37% | 2.85% |
| Q4 2025 | 4.77% | 2.12% | 2.86% | 6.35% | 2.89% |
| Q1 2026 | 4.67% | 2.02% | 2.84% | 6.25% | 2.84% |
| Q2 2026 | 4.76% | 1.98% | 2.98% | 6.29% | 2.85% |
Dairy 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 Dairy 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 Dairy State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17162) · FFIEC NIC profile (RSSD 57451)