Hustisford 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.
The biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing deposits edged up 0.15 percentage points between Q1 2026 and Q2 2026, to 2.37%. Hustisford State Bank has the 16th lowest net interest margin of the 153 banks headquartered in Wisconsin, at 3.02% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Hustisford State Bank sits 0.87 points lower, at 3.02% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.84% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.49% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.68% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.02% |
| Yield to cost spread | 2.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $828K |
| Total interest expense | $355K |
| Interest expense on deposits | $250K |
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 |
|---|---|---|---|
| Q3 2023 | 4.00% | 1.62% | 2.82% |
| Q4 2023 | 4.14% | 2.29% | 2.50% |
| Q1 2024 | 4.22% | 2.59% | 2.42% |
| Q2 2024 | 4.32% | 2.96% | 2.39% |
| Q3 2024 | 4.50% | 2.92% | 2.47% |
| Q4 2024 | 4.48% | 2.82% | 2.49% |
| Q1 2025 | 4.49% | 2.62% | 2.60% |
| Q2 2025 | 4.72% | 2.47% | 2.92% |
| Q3 2025 | 4.76% | 2.64% | 2.92% |
| Q4 2025 | 4.84% | 2.57% | 2.99% |
| Q1 2026 | 4.84% | 2.50% | 3.04% |
| Q2 2026 | 4.84% | 2.49% | 3.02% |
Hustisford 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 Hustisford 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 Hustisford State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12354) · FFIEC NIC profile (RSSD 467144)