Janesville 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.
Compared with Q1 2026, Yield on securities rose 0.42 percentage points in Q2 2026 to 2.48%, the biggest move on this page. Janesville State Bank ranks 172nd of 221 Minnesota banks on net interest margin, in the lower half at 3.53% (Q2 2026). Janesville State Bank reported 3.53% on net interest margin for Q2 2026, 0.36 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.21% |
| Yield on loans | 6.01% |
| Yield on securities | 2.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.96% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.53% |
| Yield to cost spread | 2.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $405K |
| Interest expense on deposits | $372K |
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 | 4.15% | 1.60% | 2.81% | 5.23% | 1.14% |
| Q4 2023 | 4.37% | 1.84% | 2.83% | 5.39% | 1.24% |
| Q1 2024 | 4.55% | 2.35% | 2.63% | 5.53% | 1.24% |
| Q2 2024 | 4.71% | 2.42% | 2.76% | 5.64% | 1.31% |
| Q3 2024 | 4.87% | 2.46% | 2.88% | 5.80% | 1.48% |
| Q4 2024 | 4.94% | 2.36% | 2.97% | 5.85% | 1.30% |
| Q1 2025 | 4.99% | 2.05% | 3.22% | 5.80% | 1.40% |
| Q2 2025 | 5.16% | 1.94% | 3.48% | 5.96% | 1.64% |
| Q3 2025 | 5.20% | 2.09% | 3.40% | 6.00% | 1.83% |
| Q4 2025 | 5.27% | 2.06% | 3.51% | 6.05% | 1.91% |
| Q1 2026 | 5.23% | 1.96% | 3.53% | 5.98% | 2.06% |
| Q2 2026 | 5.21% | 1.96% | 3.53% | 6.01% | 2.48% |
Janesville 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 Janesville 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 Janesville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10960) · FFIEC NIC profile (RSSD 88259)