Mound City 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.28 percentage points to 3.82%. Within Wisconsin, Mound City Bank is 76th of 153 on net interest margin, 3.82% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Mound City Bank sits 0.13 points lower, at 3.82% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 3.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.1M |
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 |
|---|---|---|---|
| Q3 2023 | 4.35% | 1.73% | 2.72% |
| Q4 2023 | 4.47% | 1.95% | 2.64% |
| Q1 2024 | 4.58% | 2.13% | 2.52% |
| Q2 2024 | 4.69% | 2.17% | 2.61% |
| Q3 2024 | 4.88% | 2.22% | 2.75% |
| Q4 2024 | 4.92% | 2.08% | 2.95% |
| Q1 2025 | 4.85% | 1.96% | 2.97% |
| Q2 2025 | 5.10% | 1.86% | 3.35% |
| Q3 2025 | 5.23% | 1.85% | 3.50% |
| Q4 2025 | 5.51% | 1.82% | 3.82% |
| Q1 2026 | 5.26% | 1.83% | 3.54% |
| Q2 2026 | 5.48% | 1.78% | 3.82% |
Mound City 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 Mound City 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 Mound City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9037) · FFIEC NIC profile (RSSD 259442)