First Business 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 Cost of borrowings, which rose 0.43 percentage points to 3.45%. Within Wisconsin, First Business Bank is 75th of 153 on net interest margin, 3.82% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; First Business Bank reported 3.82% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.35% |
| Yield on loans | 6.79% |
| Yield on securities | 3.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.31% |
| Cost of interest-bearing deposits | 2.92% |
| Cost of interest-bearing liabilities | 3.02% |
| Cost of borrowings | 3.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $59.9M |
| Total interest expense | $26.0M |
| Interest expense on deposits | $23.1M |
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 | 6.59% | 2.57% | 3.77% | 7.09% | 2.93% |
| Q4 2023 | 6.73% | 2.75% | 3.74% | 7.25% | 3.34% |
| Q1 2024 | 6.67% | 2.82% | 3.63% | 7.19% | 3.41% |
| Q2 2024 | 6.80% | 2.92% | 3.69% | 7.32% | 3.53% |
| Q3 2024 | 6.85% | 2.95% | 3.71% | 7.37% | 3.52% |
| Q4 2024 | 6.73% | 2.73% | 3.82% | 7.25% | 3.52% |
| Q1 2025 | 6.50% | 2.58% | 3.74% | 6.98% | 3.69% |
| Q2 2025 | 6.54% | 2.62% | 3.72% | 7.03% | 3.84% |
| Q3 2025 | 6.61% | 2.66% | 3.73% | 7.14% | 3.91% |
| Q4 2025 | 6.29% | 2.50% | 3.59% | 6.80% | 3.95% |
| Q1 2026 | 6.11% | 2.31% | 3.61% | 6.61% | 3.94% |
| Q2 2026 | 6.35% | 2.31% | 3.82% | 6.79% | 3.92% |
First Business 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 First Business 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 First Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15229) · FFIEC NIC profile (RSSD 537449)