First 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.06 percentage points between Q1 2026 and Q2 2026, to 3.84%. Within Wisconsin, First Community Bank is 73rd of 153 on net interest margin, 3.84% as of Q2 2026, above the middle of the field. At 3.84%, First Community Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.44% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | 3.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $647K |
| Interest expense on deposits | $643K |
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 |
|---|---|---|---|
| Q3 2023 | 4.30% | 1.34% | 3.08% |
| Q4 2023 | 4.47% | 1.53% | 3.09% |
| Q1 2024 | 4.52% | 1.65% | 3.02% |
| Q2 2024 | 4.86% | 1.95% | 3.10% |
| Q3 2024 | 4.88% | 2.23% | 2.90% |
| Q4 2024 | 5.06% | 2.09% | 3.19% |
| Q1 2025 | 5.01% | 1.90% | 3.28% |
| Q2 2025 | 5.07% | 1.96% | 3.36% |
| Q3 2025 | 5.23% | 1.83% | 3.60% |
| Q4 2025 | 5.37% | 1.87% | 3.78% |
| Q1 2026 | 5.36% | 1.87% | 3.78% |
| Q2 2026 | 5.44% | 1.93% | 3.84% |
First 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 First 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 First Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11225) · FFIEC NIC profile (RSSD 742542)