First Federal Bank of Wisconsin: 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 Net interest margin, which rose 0.30 percentage points to 4.77%. Among 153 Wisconsin banks, First Federal Bank of Wisconsin sits 9th from the top on net interest margin, 4.77% as of Q2 2026. First Federal Bank of Wisconsin reported 4.77% on net interest margin for Q2 2026, 0.82 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.97% |
| Yield on loans | 6.46% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.46% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.77% |
| Yield to cost spread | 4.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $792K |
| Interest expense on deposits | $737K |
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 | 5.19% | 2.14% | 3.47% | 5.63% | 2.74% |
| Q4 2023 | 5.23% | 2.21% | 3.47% | 5.65% | 2.76% |
| Q1 2024 | 5.32% | 2.24% | 3.45% | 5.77% | 2.73% |
| Q2 2024 | 5.55% | 2.24% | 3.68% | 6.04% | 2.74% |
| Q3 2024 | 5.56% | 2.20% | 3.77% | 6.06% | 2.75% |
| Q4 2024 | 5.53% | 1.89% | 4.02% | 6.12% | 2.39% |
| Q1 2025 | 5.48% | 1.79% | 4.04% | 5.97% | 2.83% |
| Q2 2025 | 5.63% | 1.71% | 4.26% | 6.15% | 2.84% |
| Q3 2025 | 5.67% | 1.63% | 4.35% | 6.19% | 2.82% |
| Q4 2025 | 5.83% | 1.52% | 4.60% | 6.36% | 2.77% |
| Q1 2026 | 5.69% | 1.51% | 4.47% | 6.28% | 2.75% |
| Q2 2026 | 5.97% | 1.46% | 4.77% | 6.46% | 2.79% |
First Federal Bank of Wisconsin 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 Federal Bank of Wisconsin, 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 Federal Bank of Wisconsin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30422) · FFIEC NIC profile (RSSD 331076)