National Bank of Commerce: 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 0.21 percentage points to 4.47%. Within Wisconsin, National Bank of Commerce is 17th of 153 on net interest margin, 4.47% as of Q2 2026, above the middle of the field. National Bank of Commerce reported 4.47% on net interest margin for Q2 2026, 0.76 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.45% |
| Yield on loans | 6.91% |
| Yield on securities | 4.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 3.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.5M |
| Total interest expense | $10.5M |
| Interest expense on deposits | $9.1M |
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 | 5.50% | 1.82% | 3.85% | 5.91% | 3.56% |
| Q4 2023 | 5.47% | 2.03% | 3.62% | 5.84% | 3.55% |
| Q1 2024 | 5.58% | 2.17% | 3.59% | 5.93% | 3.73% |
| Q2 2024 | 5.47% | 2.27% | 3.40% | 5.82% | 3.57% |
| Q3 2024 | 5.65% | 2.48% | 3.40% | 6.05% | 3.57% |
| Q4 2024 | 5.69% | 2.30% | 3.53% | 6.15% | 3.82% |
| Q1 2025 | 5.95% | 2.13% | 3.94% | 6.41% | 3.78% |
| Q2 2025 | 6.22% | 2.17% | 4.17% | 6.64% | 4.11% |
| Q3 2025 | 6.36% | 2.30% | 4.22% | 6.88% | 4.36% |
| Q4 2025 | 6.37% | 2.20% | 4.31% | 6.92% | 4.39% |
| Q1 2026 | 6.19% | 2.07% | 4.26% | 6.69% | 4.35% |
| Q2 2026 | 6.45% | 2.11% | 4.47% | 6.91% | 4.46% |
National Bank of Commerce yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of Commerce, 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 National Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14266) · FFIEC NIC profile (RSSD 775456)