Great Midwest Bank, State 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 3.77%. On net interest margin, Great Midwest Bank, State Savings Bank is 13th from the bottom among 153 Wisconsin banks, 2.99% (Q2 2026). Great Midwest Bank, State Savings Bank reported 2.99% on net interest margin for Q2 2026, 0.72 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.77% |
| Yield on loans | 5.88% |
| Yield on securities | 3.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.21% |
| Cost of interest-bearing deposits | 3.18% |
| Cost of interest-bearing liabilities | 3.41% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.99% |
| Yield to cost spread | 2.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.7M |
| Total interest expense | $7.1M |
| Interest expense on deposits | $4.5M |
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 | 4.40% | 2.96% | 1.85% | 4.55% | 2.76% |
| Q4 2023 | 4.75% | 3.17% | 1.99% | 4.74% | 2.93% |
| Q1 2024 | 4.89% | 3.33% | 1.98% | 4.96% | 3.04% |
| Q2 2024 | 5.00% | 3.48% | 2.01% | 5.06% | 3.20% |
| Q3 2024 | 5.07% | 3.57% | 2.00% | 5.14% | 3.28% |
| Q4 2024 | 5.49% | 3.59% | 2.45% | 5.58% | 3.27% |
| Q1 2025 | 5.35% | 3.48% | 2.39% | 5.44% | 3.48% |
| Q2 2025 | 5.38% | 3.49% | 2.41% | 5.47% | 3.55% |
| Q3 2025 | 5.49% | 3.49% | 2.53% | 5.57% | 3.57% |
| Q4 2025 | 5.60% | 3.41% | 2.74% | 5.70% | 3.67% |
| Q1 2026 | 5.78% | 3.23% | 2.95% | 5.91% | 3.66% |
| Q2 2026 | 5.77% | 3.21% | 2.99% | 5.88% | 3.77% |
Great Midwest Bank, State 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 Great Midwest Bank, State 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 Great Midwest Bank, State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29657) · FFIEC NIC profile (RSSD 524579)