Horicon 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.
Total interest expense rose 3.2% from Q1 2026 to Q2 2026, ending at $6.2M against $6.1M. It was the largest change among the key lines on this page. Within Wisconsin, Horicon Bank is 33rd of 153 on net interest margin, 4.24% as of Q2 2026. Horicon Bank reported 4.24% on net interest margin for Q2 2026, 0.53 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.81% |
| Yield on loans | 6.20% |
| Yield on securities | 3.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | 3.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $21.3M |
| Total interest expense | $6.2M |
| Interest expense on deposits | $5.9M |
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 | 6.59% | 2.05% | 4.71% | 7.32% | 2.54% |
| Q4 2023 | 5.07% | 1.74% | 3.45% | 5.52% | 2.39% |
| Q1 2024 | 5.18% | 1.96% | 3.34% | 5.61% | 2.40% |
| Q2 2024 | 5.46% | 2.03% | 3.56% | 5.79% | 2.45% |
| Q3 2024 | 5.60% | 2.11% | 3.63% | 5.94% | 2.38% |
| Q4 2024 | 5.58% | 2.05% | 3.69% | 6.05% | 2.36% |
| Q1 2025 | 5.62% | 1.86% | 3.89% | 6.03% | 2.55% |
| Q2 2025 | 5.82% | 1.93% | 4.03% | 6.16% | 2.96% |
| Q3 2025 | 5.91% | 1.93% | 4.13% | 6.19% | 3.48% |
| Q4 2025 | 5.89% | 1.85% | 4.20% | 6.25% | 3.44% |
| Q1 2026 | 5.72% | 1.67% | 4.15% | 6.11% | 3.64% |
| Q2 2026 | 5.81% | 1.70% | 4.24% | 6.20% | 3.91% |
Horicon 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 Horicon 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 Horicon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11236) · FFIEC NIC profile (RSSD 528849)