Highland 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, Yield on securities edged up by 0.14 percentage points, from 2.49% to 2.63%, the largest move among the key lines here. Highland State Bank ranks 110th of 153 Wisconsin banks on net interest margin, in the lower half at 3.54% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Highland State Bank sits 0.33 points lower, at 3.54% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.54% |
| Yield on loans | 6.56% |
| Yield on securities | 2.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.10% |
| Cost of interest-bearing deposits | 1.48% |
| Cost of interest-bearing liabilities | 1.48% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.54% |
| Yield to cost spread | 3.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $295K |
| Total interest expense | $109K |
| Interest expense on deposits | $109K |
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 | 3.74% | 0.86% | 2.93% | 5.47% | 1.49% |
| Q4 2023 | 3.92% | 0.94% | 3.05% | 5.67% | 1.49% |
| Q1 2024 | 3.98% | 0.94% | 3.09% | 5.82% | 1.56% |
| Q2 2024 | 4.11% | 1.06% | 3.13% | 6.05% | 1.40% |
| Q3 2024 | 4.30% | 1.14% | 3.25% | 6.26% | 1.42% |
| Q4 2024 | 4.42% | 1.13% | 3.38% | 6.39% | 1.53% |
| Q1 2025 | 4.30% | 1.06% | 3.33% | 6.33% | 1.78% |
| Q2 2025 | 4.52% | 1.10% | 3.52% | 6.49% | 1.90% |
| Q3 2025 | 4.61% | 1.15% | 3.56% | 6.65% | 2.02% |
| Q4 2025 | 4.71% | 1.13% | 3.69% | 6.78% | 2.22% |
| Q1 2026 | 4.47% | 1.04% | 3.50% | 6.49% | 2.49% |
| Q2 2026 | 4.54% | 1.10% | 3.54% | 6.56% | 2.63% |
Highland 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 Highland 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 Highland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6198) · FFIEC NIC profile (RSSD 681249)