Laona 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, Total interest expense fell 3.8% in Q2 2026 to $1.1M, the biggest move on this page. Laona State Bank ranks 135th of 153 Wisconsin banks on net interest margin, in the lower half at 3.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Laona State Bank sits 0.82 points lower, at 3.13% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.65% |
| Yield on loans | 6.21% |
| Yield on securities | 2.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.13% |
| Yield to cost spread | 2.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 3.57% | 1.43% | 2.23% | 5.08% | 1.48% |
| Q4 2023 | 3.80% | 1.66% | 2.25% | 5.26% | 1.82% |
| Q1 2024 | 3.84% | 1.98% | 1.98% | 5.34% | 1.85% |
| Q2 2024 | 4.06% | 2.23% | 1.97% | 5.68% | 1.93% |
| Q3 2024 | 4.32% | 2.28% | 2.21% | 5.83% | 1.98% |
| Q4 2024 | 4.34% | 2.24% | 2.25% | 6.06% | 1.95% |
| Q1 2025 | 4.20% | 2.14% | 2.21% | 5.76% | 1.99% |
| Q2 2025 | 4.45% | 1.93% | 2.66% | 6.11% | 2.05% |
| Q3 2025 | 4.58% | 1.79% | 2.92% | 6.25% | 2.16% |
| Q4 2025 | 4.78% | 1.78% | 3.13% | 6.54% | 2.36% |
| Q1 2026 | 4.60% | 1.70% | 3.02% | 6.30% | 2.37% |
| Q2 2026 | 4.65% | 1.63% | 3.13% | 6.21% | 2.35% |
Laona 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 Laona 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 Laona State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11601) · FFIEC NIC profile (RSSD 178150)