Ixonia 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 standout move of Q2 2026 was in Net interest margin: 1.11 percentage points higher than in Q1 2026, at 8.33%. As of Q2 2026, Ixonia Bank ranks first in Wisconsin on net interest margin among 153 banks, at 8.33%. Ixonia Bank's net interest margin of 8.33% is well above the 3.71% median for banks in the $1B-10B asset tier, a gap of 4.62 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 10.90% |
| Yield on loans | 12.05% |
| Yield on securities | 3.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 4.39% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 8.33% |
| Yield to cost spread | 7.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $6.0M |
| Interest expense on deposits | $3.2M |
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 | 11.20% | 2.83% | 8.46% | 13.87% | 3.04% |
| Q4 2023 | 10.58% | 2.87% | 7.89% | 12.72% | 3.36% |
| Q1 2024 | 9.83% | 3.11% | 7.06% | 11.92% | 3.70% |
| Q2 2024 | 11.42% | 2.97% | 8.54% | 13.72% | 3.67% |
| Q3 2024 | 11.46% | 3.14% | 8.45% | 13.55% | 3.73% |
| Q4 2024 | 11.74% | 3.07% | 8.82% | 13.69% | 3.89% |
| Q1 2025 | 10.19% | 2.76% | 7.54% | 11.88% | 3.98% |
| Q2 2025 | 11.60% | 2.86% | 8.85% | 13.14% | 3.95% |
| Q3 2025 | 10.90% | 2.93% | 8.18% | 12.34% | 3.90% |
| Q4 2025 | 10.24% | 2.80% | 7.64% | 11.68% | 3.83% |
| Q1 2026 | 9.68% | 2.66% | 7.22% | 11.08% | 3.55% |
| Q2 2026 | 10.90% | 2.78% | 8.33% | 12.05% | 3.59% |
Ixonia 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 Ixonia 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 Ixonia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12514) · FFIEC NIC profile (RSSD 529341)