Headwaters State 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.
In Q2 2026, Cost of funds edged down by 0.17 percentage points, from 2.38% to 2.22%, the largest move among the key lines here. Headwaters State Bank ranks 126th of 153 Wisconsin banks on net interest margin, in the lower half at 3.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Headwaters State Bank sits 0.67 points lower, at 3.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 5.86% |
| Yield on securities | 4.81% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 2.84% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.27% |
| Yield to cost spread | 2.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $611K |
| Interest expense on deposits | $611K |
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 | 5.84% | 1.40% | 4.55% | 6.11% | 5.01% |
| Q4 2023 | 5.21% | 1.71% | 3.64% | 5.32% | 4.68% |
| Q1 2024 | 5.37% | 1.87% | 3.65% | 5.60% | 4.23% |
| Q2 2024 | 5.51% | 1.97% | 3.83% | 5.73% | 4.45% |
| Q3 2024 | 5.53% | 2.06% | 3.68% | 5.76% | 4.44% |
| Q4 2024 | 5.55% | 2.51% | 3.28% | 5.92% | 4.61% |
| Q1 2025 | 5.53% | 2.47% | 3.29% | 5.88% | 4.86% |
| Q2 2025 | 5.70% | 2.51% | 3.41% | 5.98% | 5.07% |
| Q3 2025 | 5.73% | 2.47% | 3.44% | 6.03% | 5.11% |
| Q4 2025 | 5.63% | 2.52% | 3.34% | 6.01% | 4.91% |
| Q1 2026 | 5.46% | 2.38% | 3.28% | 5.86% | 4.82% |
| Q2 2026 | 5.46% | 2.22% | 3.27% | 5.86% | 4.81% |
Headwaters State 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 Headwaters State 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 Headwaters State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9035) · FFIEC NIC profile (RSSD 224954)