North Shore 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: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.96%. Within Wisconsin, North Shore Bank is 61st of 153 on net interest margin, 3.96% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. North Shore Bank sits 0.25 points higher, at 3.96% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.22% |
| Yield on loans | 5.53% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 1.65% |
| Cost of interest-bearing liabilities | 1.65% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $28.0M |
| Total interest expense | $7.8M |
| Interest expense on deposits | $7.8M |
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 | 4.71% | 1.04% | 3.81% | 4.75% | 4.11% |
| Q4 2023 | 4.83% | 1.24% | 3.76% | 4.86% | 4.23% |
| Q1 2024 | 4.85% | 1.36% | 3.69% | 4.90% | 4.15% |
| Q2 2024 | 4.86% | 1.52% | 3.57% | 4.92% | 4.07% |
| Q3 2024 | 4.99% | 1.62% | 3.61% | 5.07% | 4.13% |
| Q4 2024 | 5.01% | 1.63% | 3.64% | 5.18% | 4.02% |
| Q1 2025 | 4.91% | 1.54% | 3.63% | 5.12% | 3.85% |
| Q2 2025 | 5.06% | 1.55% | 3.77% | 5.22% | 4.16% |
| Q3 2025 | 5.19% | 1.59% | 3.87% | 5.40% | 4.26% |
| Q4 2025 | 5.23% | 1.59% | 3.93% | 5.52% | 4.33% |
| Q1 2026 | 5.13% | 1.56% | 3.87% | 5.42% | 3.94% |
| Q2 2026 | 5.22% | 1.55% | 3.96% | 5.53% | 3.90% |
North Shore 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 North Shore 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 North Shore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28679) · FFIEC NIC profile (RSSD 376273)