Lake Ridge 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.
Net interest margin rose 0.18 percentage points from Q1 2026 to Q2 2026, ending at 3.44% against 3.26%. It was the largest change among the key lines on this page. Lake Ridge Bank ranks 118th of 153 Wisconsin banks on net interest margin, in the lower half at 3.44% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Lake Ridge Bank sits 0.27 points lower, at 3.44% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 6.06% |
| Yield on securities | 3.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.68% |
| Cost of borrowings | 4.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.44% |
| Yield to cost spread | 2.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $37.0M |
| Total interest expense | $16.2M |
| Interest expense on deposits | $14.2M |
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 | 5.15% | 2.63% | 2.67% | 5.51% | 3.04% |
| Q4 2023 | 5.24% | 2.82% | 2.60% | 5.60% | 2.97% |
| Q1 2024 | 5.35% | 3.01% | 2.51% | 5.74% | 3.04% |
| Q2 2024 | 5.32% | 2.99% | 2.53% | 5.70% | 3.08% |
| Q3 2024 | 5.35% | 2.86% | 2.67% | 5.72% | 3.05% |
| Q4 2024 | 5.40% | 2.74% | 2.86% | 5.79% | 3.08% |
| Q1 2025 | 5.29% | 2.59% | 2.86% | 5.73% | 3.14% |
| Q2 2025 | 5.49% | 2.47% | 3.19% | 5.92% | 3.43% |
| Q3 2025 | 5.61% | 2.43% | 3.36% | 6.09% | 3.53% |
| Q4 2025 | 5.59% | 2.30% | 3.47% | 5.98% | 3.65% |
| Q1 2026 | 5.33% | 2.19% | 3.26% | 5.91% | 3.51% |
| Q2 2026 | 5.48% | 2.22% | 3.44% | 6.06% | 3.62% |
Lake Ridge 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 Lake Ridge 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 Lake Ridge Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15091) · FFIEC NIC profile (RSSD 525549)