East Wisconsin Savings 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 4.4% to $1.4M. East Wisconsin Savings Bank has the 1st lowest net interest margin of the 153 banks headquartered in Wisconsin, at 1.92% as of Q2 2026. Against a median of 3.95% for banks in the $100M-1B asset tier, East Wisconsin Savings Bank reported 1.92% on net interest margin in Q2 2026, 2.03 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.21% |
| Yield on loans | 5.05% |
| Yield on securities | 1.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 3.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.92% |
| Yield to cost spread | 1.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.2M |
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 | 3.53% | 1.78% | 1.67% | 4.30% | 1.64% |
| Q4 2023 | 3.63% | 2.04% | 1.50% | 4.43% | 1.65% |
| Q1 2024 | 3.69% | 2.24% | 1.33% | 4.53% | 1.64% |
| Q2 2024 | 3.80% | 2.39% | 1.30% | 4.66% | 1.62% |
| Q3 2024 | 3.90% | 2.51% | 1.27% | 4.77% | 1.64% |
| Q4 2024 | 3.99% | 2.47% | 1.43% | 4.88% | 1.62% |
| Q1 2025 | 4.00% | 2.45% | 1.46% | 4.85% | 1.62% |
| Q2 2025 | 4.16% | 2.40% | 1.69% | 5.06% | 1.58% |
| Q3 2025 | 4.22% | 2.37% | 1.79% | 5.08% | 1.60% |
| Q4 2025 | 4.33% | 2.34% | 1.93% | 5.20% | 1.59% |
| Q1 2026 | 4.22% | 2.32% | 1.84% | 5.08% | 1.61% |
| Q2 2026 | 4.21% | 2.21% | 1.92% | 5.05% | 1.59% |
East Wisconsin Savings 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 East Wisconsin Savings 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 East Wisconsin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30313) · FFIEC NIC profile (RSSD 35879)