Johnson 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 0.11 percentage points, from 3.44% to 3.55%, the largest move among the key lines here. Within Wisconsin, Johnson Bank is 108th of 153 on net interest margin, 3.55% as of Q2 2026. Johnson Bank reported 3.55% on net interest margin for Q2 2026, 0.16 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.34% |
| Yield on loans | 5.72% |
| Yield on securities | 3.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.98% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.55% |
| Yield to cost spread | 2.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $75.8M |
| Total interest expense | $29.5M |
| Interest expense on deposits | $27.3M |
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 | 5.32% | 2.12% | 3.39% | 5.83% | 2.77% |
| Q4 2023 | 5.41% | 2.32% | 3.33% | 5.92% | 2.89% |
| Q1 2024 | 5.47% | 2.40% | 3.31% | 5.97% | 3.06% |
| Q2 2024 | 5.56% | 2.46% | 3.35% | 6.05% | 3.33% |
| Q3 2024 | 5.66% | 2.57% | 3.33% | 6.15% | 3.38% |
| Q4 2024 | 5.50% | 2.40% | 3.36% | 5.96% | 3.39% |
| Q1 2025 | 5.36% | 2.19% | 3.38% | 5.79% | 3.43% |
| Q2 2025 | 5.47% | 2.25% | 3.43% | 5.86% | 3.58% |
| Q3 2025 | 5.61% | 2.26% | 3.55% | 6.01% | 3.61% |
| Q4 2025 | 5.45% | 2.18% | 3.48% | 5.88% | 3.60% |
| Q1 2026 | 5.24% | 1.99% | 3.44% | 5.64% | 3.70% |
| Q2 2026 | 5.34% | 1.98% | 3.55% | 5.72% | 3.71% |
Johnson 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 Johnson 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 Johnson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20296) · FFIEC NIC profile (RSSD 58243)