Ergo 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 rose 5.4% to $1.4M. Ergo Bank ranks 38th of 153 Wisconsin banks on net interest margin, in the upper half at 4.19% (Q2 2026). Ergo Bank reported 4.19% on net interest margin for Q2 2026, 0.25 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.32% |
| Yield on loans | 6.74% |
| Yield on securities | 3.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.24% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | 3.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| 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 | 6.23% | 1.91% | 4.22% | 7.19% | -0.75% |
| Q4 2023 | 6.09% | 2.09% | 4.13% | 6.20% | 5.57% |
| Q1 2024 | 5.65% | 2.27% | 3.50% | 6.10% | 2.26% |
| Q2 2024 | 6.12% | 2.64% | 3.74% | 6.49% | 2.83% |
| Q3 2024 | 6.24% | 2.62% | 3.79% | 6.67% | 2.79% |
| Q4 2024 | 6.33% | 2.55% | 3.90% | 6.64% | 5.14% |
| Q1 2025 | 6.11% | 2.29% | 3.94% | 6.55% | 3.45% |
| Q2 2025 | 6.30% | 2.35% | 4.09% | 6.70% | 3.96% |
| Q3 2025 | 6.28% | 2.36% | 4.04% | 6.72% | 3.61% |
| Q4 2025 | 6.79% | 2.22% | 4.63% | 7.32% | 3.74% |
| Q1 2026 | 6.17% | 2.21% | 4.10% | 6.63% | 3.71% |
| Q2 2026 | 6.32% | 2.24% | 4.19% | 6.74% | 3.74% |
Ergo 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 Ergo 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 Ergo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10004) · FFIEC NIC profile (RSSD 599643)