Hiawatha National 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.
Compared with Q1 2026, Yield on securities fell 0.68 percentage points in Q2 2026 to 3.64%, the biggest move on this page. Hiawatha National Bank has the 12th lowest net interest margin of the 153 banks headquartered in Wisconsin, at 2.98% as of Q2 2026. Hiawatha National Bank reported 2.98% on net interest margin for Q2 2026, 0.97 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.81% |
| Yield on loans | 6.48% |
| Yield on securities | 3.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.10% |
| Cost of interest-bearing deposits | 3.40% |
| Cost of interest-bearing liabilities | 3.46% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.98% |
| Yield to cost spread | 2.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.2M |
| Total interest expense | $5.3M |
| 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 | 5.73% | 2.80% | 3.12% | 5.90% | 5.17% |
| Q4 2023 | 5.98% | 2.97% | 3.23% | 6.16% | 5.47% |
| Q1 2024 | 6.05% | 3.14% | 3.14% | 6.24% | 5.56% |
| Q2 2024 | 6.08% | 3.26% | 3.07% | 6.42% | 5.21% |
| Q3 2024 | 6.29% | 3.48% | 3.09% | 6.58% | 5.64% |
| Q4 2024 | 6.38% | 3.36% | 3.31% | 6.58% | 5.99% |
| Q1 2025 | 6.03% | 3.22% | 3.07% | 6.41% | 5.13% |
| Q2 2025 | 6.05% | 3.16% | 3.16% | 6.54% | 4.74% |
| Q3 2025 | 6.03% | 3.20% | 3.10% | 6.57% | 4.57% |
| Q4 2025 | 6.53% | 3.49% | 3.57% | 7.15% | 4.64% |
| Q1 2026 | 5.87% | 3.12% | 3.03% | 6.39% | 4.32% |
| Q2 2026 | 5.81% | 3.10% | 2.98% | 6.48% | 3.64% |
Hiawatha National 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 Hiawatha National 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 Hiawatha National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13058) · FFIEC NIC profile (RSSD 505550)