The First National Bank of Bangor: 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.
Compared with Q1 2026, Net interest margin rose 0.16 percentage points in Q2 2026 to 5.24%, the biggest move on this page. On net interest margin, The First National Bank of Bangor ranks 4th highest among the 153 banks headquartered in Wisconsin, at 5.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First National Bank of Bangor sits 1.29 points higher, at 5.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.68% |
| Yield on loans | 7.18% |
| Yield on securities | 2.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.24% |
| Yield to cost spread | 4.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.1M |
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 | 5.57% | 2.05% | 4.05% | 6.17% | 2.06% |
| Q4 2023 | 5.75% | 2.21% | 4.11% | 6.41% | 2.27% |
| Q1 2024 | 5.86% | 2.29% | 4.13% | 6.46% | 2.23% |
| Q2 2024 | 6.09% | 2.44% | 4.28% | 6.61% | 2.39% |
| Q3 2024 | 6.31% | 2.53% | 4.44% | 6.89% | 2.33% |
| Q4 2024 | 6.45% | 2.51% | 4.61% | 6.88% | 2.38% |
| Q1 2025 | 6.39% | 2.24% | 4.75% | 6.90% | 2.24% |
| Q2 2025 | 6.62% | 2.26% | 4.98% | 7.16% | 2.49% |
| Q3 2025 | 6.85% | 2.32% | 5.18% | 7.41% | 2.31% |
| Q4 2025 | 6.66% | 2.20% | 5.10% | 7.10% | 2.66% |
| Q1 2026 | 6.52% | 2.02% | 5.08% | 6.97% | 2.51% |
| Q2 2026 | 6.68% | 2.08% | 5.24% | 7.18% | 2.78% |
The First National Bank of Bangor yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Bangor, 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 The First National Bank of Bangor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5337) · FFIEC NIC profile (RSSD 627854)