Mayville 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.
The biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.07 percentage points between Q1 2026 and Q2 2026, to 2.37%. Mayville State Bank ranks 54th of 72 Michigan banks on net interest margin, in the lower half at 3.62% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Mayville State Bank sits 0.27 points lower, at 3.62% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.29% |
| Yield on loans | 6.01% |
| Yield on securities | 2.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.71% |
| Cost of interest-bearing deposits | 0.96% |
| Cost of interest-bearing liabilities | 0.96% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.62% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $666K |
| Total interest expense | $153K |
| Interest expense on deposits | $153K |
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 | 3.53% | 0.22% | 3.32% | 5.17% | 1.79% |
| Q4 2023 | 3.64% | 0.32% | 3.34% | 5.34% | 1.75% |
| Q1 2024 | 3.63% | 0.50% | 3.16% | 5.28% | 1.78% |
| Q2 2024 | 3.74% | 0.69% | 3.08% | 5.36% | 1.78% |
| Q3 2024 | 3.94% | 0.90% | 3.08% | 5.59% | 1.77% |
| Q4 2024 | 4.06% | 0.89% | 3.22% | 5.77% | 1.88% |
| Q1 2025 | 3.98% | 0.72% | 3.30% | 5.70% | 2.07% |
| Q2 2025 | 4.12% | 0.65% | 3.50% | 5.84% | 2.15% |
| Q3 2025 | 4.27% | 0.69% | 3.62% | 6.09% | 2.17% |
| Q4 2025 | 4.36% | 0.74% | 3.66% | 6.10% | 2.19% |
| Q1 2026 | 4.23% | 0.69% | 3.59% | 5.99% | 2.30% |
| Q2 2026 | 4.29% | 0.71% | 3.62% | 6.01% | 2.37% |
Mayville 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 Mayville 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 Mayville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12899) · FFIEC NIC profile (RSSD 358448)