National Exchange Bank and Trust: 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, Cost of borrowings rose 0.61 percentage points in Q2 2026 to 2.60%, the biggest move on this page. Within Wisconsin, National Exchange Bank and Trust is 71st of 153 on net interest margin, 3.89% as of Q2 2026, above the middle of the field. National Exchange Bank and Trust reported 3.89% on net interest margin for Q2 2026, 0.18 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.22% |
| Yield on loans | 6.22% |
| Yield on securities | 3.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | 2.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.89% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $26.1M |
| Total interest expense | $9.6M |
| Interest expense on deposits | $9.3M |
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 | 5.14% | 1.88% | 3.55% | 6.55% | 2.04% |
| Q4 2023 | 5.15% | 1.96% | 3.51% | 6.64% | 1.85% |
| Q1 2024 | 5.29% | 2.17% | 3.46% | 6.68% | 2.31% |
| Q2 2024 | 5.43% | 2.13% | 3.66% | 6.84% | 2.50% |
| Q3 2024 | 5.26% | 2.22% | 3.40% | 6.51% | 2.79% |
| Q4 2024 | 5.26% | 2.13% | 3.54% | 6.61% | 2.93% |
| Q1 2025 | 5.09% | 1.98% | 3.42% | 6.39% | 3.06% |
| Q2 2025 | 5.20% | 2.00% | 3.54% | 6.45% | 3.22% |
| Q3 2025 | 5.49% | 1.98% | 3.85% | 6.74% | 3.46% |
| Q4 2025 | 5.49% | 1.83% | 3.97% | 6.80% | 3.41% |
| Q1 2026 | 5.13% | 1.66% | 3.76% | 6.16% | 3.50% |
| Q2 2026 | 5.22% | 1.63% | 3.89% | 6.22% | 3.59% |
National Exchange Bank and Trust 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 Exchange Bank and Trust, 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 Exchange Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10044) · FFIEC NIC profile (RSSD 722544)