Independence 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, Net interest margin edged up by 0.08 percentage points, from 4.59% to 4.67%, the largest move among the key lines here. Among 153 Wisconsin banks, Independence State Bank sits 11th from the top on net interest margin, 4.67% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Independence State Bank sits 0.78 points higher, at 4.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | 1.19% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.67% |
| Yield to cost spread | 4.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $285K |
| Interest expense on deposits | $275K |
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 | 4.78% | 1.35% | 3.58% |
| Q4 2023 | 5.05% | 1.57% | 3.68% |
| Q1 2024 | 5.14% | 1.66% | 3.68% |
| Q2 2024 | 5.42% | 1.79% | 3.85% |
| Q3 2024 | 5.64% | 1.96% | 3.91% |
| Q4 2024 | 5.69% | 1.80% | 4.05% |
| Q1 2025 | 5.63% | 1.48% | 4.25% |
| Q2 2025 | 5.92% | 1.44% | 4.58% |
| Q3 2025 | 6.05% | 1.55% | 4.64% |
| Q4 2025 | 6.07% | 1.53% | 4.66% |
| Q1 2026 | 5.97% | 1.48% | 4.59% |
| Q2 2026 | 6.04% | 1.49% | 4.67% |
Independence 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 Independence 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 Independence State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10741) · FFIEC NIC profile (RSSD 396057)