DMB Community 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.
In Q2 2026, Yield to cost spread edged up by 0.10 percentage points, from 1.30% to 1.40%, the largest move among the key lines here. DMB Community Bank has the 2nd lowest net interest margin of the 153 banks headquartered in Wisconsin, at 1.93% as of Q2 2026. Against a median of 3.94% for banks in the $100M-1B asset tier, DMB Community Bank reported 1.93% on net interest margin in Q2 2026, 2.01 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.74% |
| Yield on loans | 5.00% |
| Yield on securities | 3.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.10% |
| Cost of interest-bearing deposits | 3.20% |
| Cost of interest-bearing liabilities | 3.34% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.93% |
| Yield to cost spread | 1.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.2M |
| Total interest expense | $5.7M |
| Interest expense on deposits | $4.2M |
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 | 4.27% | 3.63% | 1.10% | 4.52% | 2.53% |
| Q4 2023 | 4.32% | 3.99% | 0.84% | 4.48% | 3.19% |
| Q1 2024 | 4.21% | 4.15% | 0.61% | 4.37% | 2.74% |
| Q2 2024 | 4.25% | 3.79% | 0.79% | 4.39% | 2.89% |
| Q3 2024 | 4.32% | 3.66% | 0.99% | 4.46% | 3.08% |
| Q4 2024 | 4.44% | 3.46% | 1.30% | 4.58% | 3.19% |
| Q1 2025 | 4.30% | 3.33% | 1.28% | 4.45% | 3.35% |
| Q2 2025 | 4.44% | 3.31% | 1.43% | 4.60% | 3.47% |
| Q3 2025 | 4.53% | 3.27% | 1.56% | 4.71% | 3.50% |
| Q4 2025 | 4.69% | 3.18% | 1.81% | 4.88% | 3.50% |
| Q1 2026 | 4.70% | 3.09% | 1.89% | 4.94% | 3.41% |
| Q2 2026 | 4.74% | 3.10% | 1.93% | 5.00% | 3.47% |
DMB Community 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 DMB Community 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 DMB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14769) · FFIEC NIC profile (RSSD 56548)