Great North 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 standout move of Q2 2026 was in Net interest margin: 0.95 percentage points higher than in Q1 2026, at 4.63%. On net interest margin, Great North Bank ranks 12th highest among the 153 banks headquartered in Wisconsin, at 4.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Great North Bank sits 0.68 points higher, at 4.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.67% |
| Yield on loans | 8.52% |
| Yield on securities | 5.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.11% |
| Cost of interest-bearing deposits | 3.47% |
| Cost of interest-bearing liabilities | 3.40% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.63% |
| Yield to cost spread | 4.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.31% | 2.29% | 3.19% | 5.37% | 4.62% |
| Q4 2023 | 6.20% | 2.69% | 3.87% | 7.04% | 4.26% |
| Q1 2024 | 5.38% | 2.86% | 2.88% | 5.89% | 4.09% |
| Q2 2024 | 5.14% | -0.45% | 2.87% | 5.91% | 4.03% |
| Q3 2024 | 7.34% | 3.53% | 4.04% | 8.56% | 5.73% |
| Q4 2024 | 7.21% | 3.41% | 4.01% | 8.35% | 5.67% |
| Q1 2025 | 6.83% | 3.36% | 3.65% | 8.10% | 5.43% |
| Q2 2025 | 6.58% | 3.22% | 3.73% | 7.33% | 5.50% |
| Q3 2025 | 7.83% | 3.19% | 4.73% | 9.03% | 5.56% |
| Q4 2025 | 7.34% | 3.26% | 4.19% | 8.13% | 5.97% |
| Q1 2026 | 6.68% | 3.05% | 3.68% | 7.30% | 5.44% |
| Q2 2026 | 7.67% | 3.11% | 4.63% | 8.52% | 5.48% |
Great North 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 North 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 North Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15146) · FFIEC NIC profile (RSSD 576354)