Fox Valley Savings 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 Net interest margin, which rose 0.29 percentage points to 2.80%. On net interest margin, Fox Valley Savings Bank is 7th from the bottom among 153 Wisconsin banks, 2.80% (Q2 2026). Fox Valley Savings Bank reported 2.80% on net interest margin for Q2 2026, 1.15 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.43% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 1.85% |
| Cost of interest-bearing liabilities | 1.94% |
| Cost of borrowings | 3.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.80% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.3M |
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 | 3.61% | 1.56% | 2.22% |
| Q4 2023 | 3.61% | 1.76% | 2.07% |
| Q1 2024 | 3.56% | 1.93% | 1.87% |
| Q2 2024 | 3.61% | 2.00% | 1.86% |
| Q3 2024 | 3.74% | 2.09% | 1.89% |
| Q4 2024 | 3.84% | 2.06% | 2.01% |
| Q1 2025 | 3.79% | 1.95% | 2.05% |
| Q2 2025 | 3.94% | 1.96% | 2.19% |
| Q3 2025 | 4.03% | 1.97% | 2.26% |
| Q4 2025 | 4.36% | 1.94% | 2.69% |
| Q1 2026 | 4.19% | 1.87% | 2.51% |
| Q2 2026 | 4.43% | 1.82% | 2.80% |
Fox Valley Savings 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 Fox Valley Savings 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 Fox Valley Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29188) · FFIEC NIC profile (RSSD 835770)