Forte 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.
Total interest expense dropped 9.4% in Q2 2026, from $1.7M to $1.6M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Forte Bank is 52nd of 153 on net interest margin, 4.07% as of Q2 2026. Forte Bank reported 4.07% on net interest margin for Q2 2026, 0.13 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.67% |
| Yield on loans | 6.01% |
| Yield on securities | 3.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.06% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | 3.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.4M |
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 | 4.51% | 1.39% | 3.20% | 4.79% | 1.67% |
| Q4 2023 | 4.64% | 1.58% | 3.16% | 4.92% | 1.71% |
| Q1 2024 | 4.73% | 1.75% | 3.09% | 5.00% | 1.97% |
| Q2 2024 | 4.89% | 1.77% | 3.25% | 5.17% | 2.11% |
| Q3 2024 | 4.94% | 1.97% | 3.10% | 5.19% | 2.32% |
| Q4 2024 | 5.02% | 2.09% | 3.06% | 5.35% | 2.96% |
| Q1 2025 | 5.01% | 2.14% | 2.98% | 5.41% | 3.12% |
| Q2 2025 | 5.28% | 1.92% | 3.48% | 5.62% | 3.16% |
| Q3 2025 | 5.40% | 1.86% | 3.66% | 5.72% | 3.36% |
| Q4 2025 | 5.47% | 1.84% | 3.76% | 5.80% | 3.44% |
| Q1 2026 | 5.42% | 1.85% | 3.69% | 5.77% | 3.48% |
| Q2 2026 | 5.67% | 1.73% | 4.07% | 6.01% | 3.59% |
Forte 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 Forte 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 Forte Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5297) · FFIEC NIC profile (RSSD 742944)