Keysavings 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: 0.46 percentage points higher than in Q1 2026, at 3.68%. Within Wisconsin, Keysavings Bank is 90th of 153 on net interest margin, 3.68% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Keysavings Bank sits 0.27 points lower, at 3.68% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.58% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $760K |
| Interest expense on deposits | $569K |
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 | 3.66% | 1.66% | 2.22% |
| Q4 2023 | 4.88% | 2.20% | 3.04% |
| Q1 2024 | 4.20% | 2.64% | 2.16% |
| Q2 2024 | 4.82% | 3.21% | 2.46% |
| Q3 2024 | 5.17% | 3.02% | 2.60% |
| Q4 2024 | 5.22% | 2.82% | 2.64% |
| Q1 2025 | 5.28% | 2.67% | 2.84% |
| Q2 2025 | 7.57% | 2.93% | 4.00% |
| Q3 2025 | 5.87% | 2.76% | 3.10% |
| Q4 2025 | 5.84% | 2.73% | 3.13% |
| Q1 2026 | 5.87% | 2.64% | 3.22% |
| Q2 2026 | 6.19% | 2.58% | 3.68% |
Keysavings 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 Keysavings 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 Keysavings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29691) · FFIEC NIC profile (RSSD 208972)